The age of the password is coming to an end, and secret sharing is a reliable way to ensure online security.
So essentially non-encrypted file-splitting where each part of the file is distributed to a seperate server, and to which no individual user has access to more than one server? One serious flaw: If either half of the package gets corrupted and does not have a backup, the files/account connected to that shared package is permanently lost. You would not have the option of a "password recovery". It would be the same as having a keyfile encryption and the keyfile getting corrupted.
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