> a single negative impact to my actual life. In anyway. At all.

This is missing the broader perspective of identity becoming less reliable, and that results is millions of paper cuts in everyday life.

The reason you need to scan your face with your phone to access a government site or your bank is hugely because asking people personal questions or a password has become useless.

There is an argument that the old security models wouldn't have survived for long either way, but if we see it as an arms race, racing at a slower pace is still better than running like there's no tomorrow towards the bitter end.