This document discusses the causes of cybercrime and proposes an ideal technology solution. The main causes outlined are: 1) frequent changing of complex passwords decreases security by forcing users to write them down, 2) overreliance on usernames and passwords which are not suited for today's environment, 3) users forfeiting personal data by using unmemorable credentials, 4) end user malpractices like password sharing, and 5) lack of innovation in authentication methods. The document advocates for an authentication solution that identifies users based on who they are biometric attributes rather than what they possess, and argues that innovation not frequent password changes is needed to improve security.