On the contrary, it is the result of a concerted effort to reduce friction. With SIM cards, users can switch to a new phone by just moving the SIM, or switch to a new provider while keeping their phone (assuming its unlocked) by just replacing the SIM. Prior to SIM cards phones where frequently programmed to be tied to a specific provider. A pure software solution could work, but requires the network operators to be…
Unless you personally know some heads of some major carriers you can't say that and also it's unlikely carriers do things to reduce friction. Unlocked phones are still relatively rare in the US so I don't agree with your second point either. Network operators trust Gemalto, etc to write the SIM card software and also the provisioning and tower software. They also trust the phone manufacturer software as they rigorous…
Usernames and passwords suck. A lot. We should be striving to get rid of them, not make more places need them.