On Friday, December 7, 2018 at 12:38:53 PM UTC+1, TonyM wrote:
...

If you place a tiddlywiki in a secure folder, with a long password on https 
> and then use the encryption in tiddlywiki you would be using two factors. 
>

No offence intended. - Technically, this is only 1 factor 2 times

Multi-factor authentication is defined as: 

 1) something the user and only the user *knows*
 2) something the user and only the user *has*
 3) something the user and only the user *is*

add 1) eg: password
add 2) eg: usb-token
add 3) eg: fingerprint

Pros and Cons are discussed in detail here: 
https://en.wikipedia.org/wiki/Multi-factor_authentication

IMO The main problem is convenience and cost. Workflows, that create "real" 
security will cost something. That's a fact! ... At the moment our society 
trades convenience for security and cost. 

Everything needs to be free (as in free beer). 

In my opinion this mentality has to change. It's OK to use free (as in free 
speech) software / tools. ... But we need to become aware again, that our 
security will cost us something. Either convenience or money.

Just some rants
have fun!
mario

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