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It is, and has been since god knows when: client certificates. Better than passwords because they can't be phised, doesn't require an email, doesn't require trusting any third-party service.

Unfortunately they are also very difficult to understand for even normal geeks and so basically no site use them.




It's not hard to understand ("you have the key, in a form of file or a hardware token, use it to open your account" is something average grandma can grok - no harder than passwords), but current UI and UX are terrible. Then it's chicken-and-egg problem: no one uses certificates because they're unuseable, and no one works on their usability because no one uses them.




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