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Email is secure iff you use it properly. Just like everything else.

How about a system where it's secure even if the user is dumb.

Do you have one example of a system that is secure even if the user is dumb (for example forgets to lock the front door)?

Bio-metric passwords (i.e. fingerprint / eye scan).

Fingerprints are left all over the place all the time, and it is probably not much more difficult to acquire eye scans.

And for such a system, the user would have to re-use his passwords at many different places again…

“My name is Werner Brandis. My voice is my password"