At some point, and my guess is pretty darn soon, reasonable people are going to have a very secure cryptobracelet that they never take off, or if you take it off it will never work again.
The bracelet would work like the NFC chip in current phones, it would create unique identifiers for each transaction, so you can be verified that you are who you are without ever broadcasting your identity.
Then, all email and every other communication can easily be encrypted, securely, and without adding complication. You won't have to worry about remembering a hundred passwords, or about what happens when the store you bought things from is hacked, or that a library of 100 millions passwords will find yours.
I grant that some will protest that this is not natural (I don't want to wear something on my wrist!) but people do a hundred other unnatural things every day (brush their teeth, use deodorant, wear glasses, live longer than fifty years...) The benefits will be enormous, the changes minimal, and this will be led, I believe, by thought leaders.