It's also risky to have the primary password credential transmitted instead of temporary tokens.
Just the other week I was helping someone setup a TV and they thought they didn’t have an Amazon login, because they never needed to login. This was a Prime member.
1Password defaults to having users reauthenticate every 2 weeks. I do find this a bit annoying, but I find the occasional reminder of my password to be a necessity evil. Even doing it every 2 weeks for years, there are some days I have trouble bringing it to the front of my mind. And that would mean a hidden piece of paper somewhere with the password written down in case it’s forgotten. As I get older I should accept the idea that I should have these emergency systems in place if my mind does go, but it makes me uncomfortable.
I think this should be handled out of band of the login process. Similar to "is xxx still your phone number?" -- companies could do periodic password hygiene and freshness checks.
Context matters. Companies forget that people are trying to get something important done, and blocking them for other attention is a huge frustration.
At least Signal does not block the app until you enter the PIN. WhatsApp forces you to enter it before you can reach your messages, which not only is annoying when you're in a hurry, but also forces you to type the PIN even when you're in a place where it might be seen by someone else.
On the other hand, on Signal it's possible to leave the warning forever at the bottom of the screen without acknowledging it and typing the PIN, which kind of defeats its purpose.
So here I am, lost, trying to find my way using a downloaded map, and the app won't let me in.
These are no longer casual entertainment experiences we are dealing with. Many of these apps are central to carrying on with life. And they are introducing new and unanticipated failure modes.
In a corporate environment, ideally your workstation password is tied to SSO and you have a short but reasonable lockscreen timeout where you need to re-type your password.