I don't disagree with what you wrote about going back the "SYH" being not that smart but...
It's not transparent when my 65-years old mom uses a physical device not connected to the computer, in which she enters her identity (Java SmartCard) card and perform a manual challenge/response to login and do her online banking.
It's a pain for her: it's SYK+SYH but it beats going to the bank all the time... So it's not transparent but it still works because she doesn't really have the choice.
I don't disagree with what you wrote about going back the "SYH" being not that smart but...
It's not transparent when my 65-years old mom uses a physical device not connected to the computer, in which she enters her identity (Java SmartCard) card and perform a manual challenge/response to login and do her online banking.
It's a pain for her: it's SYK+SYH but it beats going to the bank all the time... So it's not transparent but it still works because she doesn't really have the choice.