authenticating with XMPP ID (jabber address)

These people still have at their disposal simple cheap HA solutions to this if they choose.  

1) memory
2) cp passwdfile passwdfile.bak
3) + email passwdfile.bak file to offsite email account
4) + encrypt passwdfile.bak before emailing offsite
5) cp passwdfile  to USBstick/passwdfile.bak
... the list goes on.  

While not everyone chooses to do these, at least they are reasonably available to them.