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Username and password as the only option to authenticate is really getting obsolete. You need to support social login, passkey, email links, maybe SMS or some other less secure methods depending on your target market… and more often also new standards like verifiable credentials with wallets managing credentials, including logins. Good luck writing your own implementations.
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And now the libraries have been outsourced to saas companies because ???
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Because we need to move faster and cheaper, that's the future
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