Earlier quoted context omitted.
Your primary alternative already sounds materially better than the 'Current Scenario' you describe: 1 - I'm not sure I've encountered anybody that universally falls within the 90% 'ideal' coverage. The more hostile things are to outliers, the more difficult everyone's life becomes. 2 - As far as I can tell, the slack that allows the bottom and top vigesimile (? 1/20th) to survive is also what allows the flexibility t…
As for point 1: that depends; if your business operates on keeping the center of the bell curve happy, and you don't like to risk that, than implementing something that degrades that doesn't seem like a sound business decision. Keep in mind that this is from the 'producer' perspective. As for point 2: that should indeed be how it works, but the circumstances have changed, especially for large scale general purpose co…
I'm old enough to have used the internet with a computer running Windows 98SE. As far as I can tell, besides data throughput, only webmail, maps, and media streaming have gotten materially better since that time, and even those peaked in an era when people were still running Windows XP SP3.
Despite all this froth about how we need to lock stuff down within an inch of its life with manufacturer-specified code verification, (North American) banks still seem to mostly be using the same terrible authentication policies they were 10, even 20 years ago.
The hardware problem isn't new; phone taps have been easy to install for decades. The world didn't end, nor did we shut down the telephone network.
In re software, we could easily strengthen owner trust in systems without having manufacturers ensnare us in straitjackets. Trust on first use could allow an infrequently-updated chain loader to verify subsequent components without depriving the owner of using the system as they desire. Hardware tokens, or physical buttons with dedicated circuitry could prevent certain system functions from being configured / updated without direct user intervention. 'Trusted' execution environments could be used to run software of particular significance to the device owner. We have an enormous quantity of tools in our tool box to improve the security of systems without relinquishing ultimate control.
Ultimately, though, liberty will always have some irreducible risk. It's not obvious to me why we should be valuing status-quo business plans to its detriment.