Oh bloody hell. Begin rant.
We've had PGP for 27 years. Twenty seven years. Since 1991. Why the hell haven't we, the tech community, gotten the rest of the world to use it? I think the only person I've had a PGP-encrypted email exchange with is my mother. It's not a walled garden, and it solves the problem described here perfectly.
We could have vote-by-email (using the key registered when registering to vote). We could have universal passwordless login. We could have virtually all communications secure from eavesdropping all the time. But no, nobody uses it outside of a few computer geeks, spies, and journalists.