two factor authentication

[Alon Bar-Lev]

Chris Rapier wrote:
> 
> 
> Alon Bar-Lev wrote:
> 
>> Smartcard *IS* two factor, this is why they exist. There is no
>> better security solution than smartcards.
> 
> Of course, smartcards can be easily defeated by a sufficiently scary 
> person holding a pair of garden shears. ;)
> 

Well... I am not a native English speaker... What does it mean?

Do you actually think there is a better security mechanism than smartcards?

Do you actually think a private key file + password + server password is better
than using smartcards?

Adding a remote password to the smartcard strengthen the solution?

Best Regards,
Alon Bar-Lev.