There are also highly-effective password management packages to help the rank-and-file manage their many passwords including LastPass, 1Password and RoboForm.
Companies like Workday and Salesforce, along with Google with its corporate Apps products, require individuals to manage a range of features and passwords.
Once PKI is as easy to use as passwords - and we can understand how to manage related directory and security services - we can aspire to reach the pinnacle of cryptography.