How Do Our Accounts Ever Get Hacked?

Logging into apps and accounts is becoming harder and harder and yet we still are routinely hacked.  I was ecstatic when face recognition became a standard (even though it has some nefarious governmental uses)!  This SHOULD have been the end of annoying captchas and email or SMS verification. Alas, now we have an additional step!!!

Once we utilize face recognition, we are still required to verify via SMS or email!! Then why bother with face recognition?  Now we have passwords, captchas, face recognition AND SMS or email verification to enter mundane sites or apps such as travel.  Not to mention that most of us fail captchas routinely. I KNOW WHAT FOUR BUSES ARE AND YET YOU FAIL ME!!! AHAHAHAHAHAH Captchas need to go away!!

Despite all of this, sites and apps are being routinely hacked. Go figure....