All of this authentication sh.t s..k big time !!!!

Question

This is for all of you... Microsoft Google eBay and.... All of this authentication sucks big time. Most times it takes me about 20 minutes to login. I can never remember passwords. My Google Passwords, the same pin code I used for since... only works about a 1/4 of the time. I always have to go through this I cannot remember my password. Your authentication process does not work. I get the authentication code. Approve and all. Go back to MS login, says I took to long. Over and over and over again. EBay locked me out of my seller acct. I had to be verified. Even though my seller account is 100% good reviews. They have all of my personal and bank info. There verification process does not work. The questions they asked has nothing to do with me. Get this my listings six months later are still listed. It is almost as if we are being punished for what ??? Now Microsoft (Google and....) has something new... passkey something ???? Because I have password on my phone, my phone goes to a blank screen and I have to have a pin code to unlock. It really s..is when I am right in the middle of something and the screen goes black on me. It is so frustrating. I guess it is a lot easier to pick on little people like us. All of you Must be to scared or not smart enough or do not know how to track down the real criminals. AGAIN IT IS SO FRUSTRATING... Please DESIGN A BETTER PASSWORD SYSTEM. FIX THE ONE YOU HAVE.