Comment by economistbob

Yes. In my view, the negative payoff from getting locked out of a machine due to a key file mishap is more severe than the payoff of typing passwords all the time. I also use machines of various distributions and eras, and so the configurations would all differ and create hindrances.

I realize the security relevance of that, but I do not have daily images to restore from if something happens. I got locked of a key only box one time with an error after a reboot, and never want it to happen again. It felt like being robbed.