Earlier quoted context omitted.
Which is inane. We have to get away from this idea of having "secret" numbers that, if simply discovered, can cause so much damage. That includes credit card numbers, SSN, etc.
what alternative do you have in mind ?
But, if you're interested in building an alternative, then off the top of my head, I'd suggest that we've got the blockchain. We've all got omnipresent palm-sized computing devices. We've got 2FA schemes, and more. The tools are there for you to create a much more robust system than one that says "here are a handful of secret numbers. Don't let anyone else see them or else your life may be ruined".