Are humans getting dumber??

so i used to be able to access my internet banking on the move from any computer terminal in the world using just my memory to remember my password. now i have received my wonderful "secure key" from hsbc. this handy little device means that i will no longer be free to access my bank account any time i want but only when i remember to have the device with me. but hey...i can hang it on my car keys! so handy, i can't imagine it getting scratched or broken hanging on my key chain. sorry for the sarcasm but why would i need to carry a little computer around when i have a big one inside my head? and what if i need a secure key for every website i frequent? what about one for my email account?