Re: making passwords obsolete
I don't know that I'd agree with a password manager, like Roboform or many others, being a crutch for the lazy. I use one such tool, and it has more than 500 unique and complex passwords stored in it. I use them routinely for work and personal activity online. I couldn't possibly create and memorize that many complex passwords.
The reason 2-factor seems to be better than just a password is that, when implemented properly, requires a theif to have two pieces of information rather than just one. The odds of guessing my complex password while also having a copy of my fingerprint are pretty slim, at least I would hope.
No security access mechanism is perfect. The best solutions utilize a number of components to properly identify the risk based on the user and then require the right number of authentications to make it statistically improbable that the user isn't who he/she says they are.