mac...
I think you are completely mistaken on what I'm talking about.
Apple and everybody else is addicted to server side control. They wonder why ecommerce hasn't taken off like they expected it to.
It is because people want to be in control of their identity and password, not a server administrator.
When the crypto-security co-processor that sits on the southbridge as an LPC processor, then I will be able to safely store my info in MY machine, not a server in the cloud where I have no control.
So, even if you insert a trojan horse or hack my OS, you will still not be able to capture my usernames/passwords because they are maintained at the bios level, not the OS level.