to whomever can promise i never have to enter forgotten password flow ever again:
thank fuck you very much, Starbucks.
ps - i used to work at PayPal for three years, and we dealt with this same painful bullshit every single goddamn day. and it was TOTALLY our fault, not the users. yes they're dumb as doorknobs, but so were we: our acct creation flow & password recovery flow sucked ass.
so does Starbucks. so does everyone's.
i will say it again: mainstream america's #1 problem is NOT
very subtle difference, but understanding that subtlety and all that lies therein is the first step towards designing the appropriate solution.