Before you start to dislike this comment, I am an American, so this is just a self-critical look. Just hear me out.
Our society (at least in the western world) is a very "me" focused society. Our computers are very personal; snooping in someone else's account feels very violating.
So it's only natural that we try to keep people out. Locks on our doors; security cameras on walls; passwords to lock computers. Individualism drives our desire for security.
But in other cultures (and maybe people in non-Western countries can expound on this) an person's mindset is more community-minded. If one person is in trouble, the whole community rallies around the person; it comes so naturally that it's odd to hear about.
So maybe the key to security is expelling our Western mind; Maybe we can obtain a more perfect security if we do some other sort of authentication, like group authentication. Perhaps I press a button to log in, then at least three of my friends have to okay that request. Terrible idea to begin with (a whole host of problems undoubtedly follow), but perhaps if we start there we can get somewhere.