Why we should scrap 'dumb passwords' in favour of smarter security

Problem is not the passwords but the programmers/Sites directly and can be solved with a simple 2 words.

Time out!. (3 to 4 Strikes and you have to wait 2 hours or a day before you can try again). <-- now try and run your brute force against that, No way you gonna get it in a week, no matter how big a cluster you have cause you will have to wait for the next day to try the next set of 3 words.

Bio is also not an answer. If a password gets cracked you can change it.... what do you do when someone copies your iris or fingerprint. We can not exactly go swap our eye's out for new ones.
 
Time out!. (3 to 4 Strikes and you have to wait 2 hours or a day before you can try again). <-- now try and run your brute force against that
Until someone comes up with the brilliant plan of locking out their online "enemies" by running a script 24/7.
 
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