Sorry, using "just" pisses me off too. It's a really arrogant way of saying things, I agree. And yes, it would be a major pain in the ass. That is the kind of thing housewives did while their husbands were at work, which is honestly how it was able to work. And yeah, traffic and cities are much more crowded and sprawled now. I was pointing out it is possible though. And a dumb cell phone can be used for two factor auth. But overall I agree with everything you said. I was being pedantic and technically correct.
Small town life colors my view as well. Things are a lot different than in the cities.