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That's the point of my second paragraph. The pads would be an item of trade. You buy an 'OTP yubikey' with 2GB of otp data for each of the top 50 websites, plug it in, and you're good for a month. The website spends 10k on a petabyte of otp data.


So you can only securely access the top 50 websites, and need to go in person to buy the key.

That sounds like a beyond ridiculous system. We can do better.




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