I am reluctant to change my passwords for banking and booking sites from low security ones that I can remember to high security ones generated by Kasperski that are impossible to remember. If my only device (smartphone) get lost, stolen or broken whilst travelling how am I suppose to get money transferred or book flights, hotels, hire cars, etc? just can't wrap my head around how to deal with this situation. Has anyone else thought this one through? I would be interested to know if you have a solution.