We're probably near the end of keyboard passwords. Alphabetic, alpha + number, alpha + number + punctuation passwords were all fully exploited in short order. The future will be 8 pictures picked from a dictionary of pictures. Everyone gets a unique dictionary.
Faced with the task of setting up a subscription based store front has made lions study security more. 20 years ago, all the credit cards were stored on a computer in the office & charged by dialing into a modem pool, after much stalling & negotiating with customers who were just minutes away from funding their credit cards. This manually executed monthly task funded everyone's paycheck. Other manually run scripts increased the balances in the accounts, shut down unpaid accounts, sent out warning emails.
Nowadays, secure credit card storage is a monumental task. All known cyphers can be cracked in milliseconds. Small companies need to outsource the credit card storage & even the subscription management. It's too easy for someone to get in & change their balance.