WiTopia is offering a free year of RADIUS service to the home user. This gives Enterprise-level authentication to the home WiFi user/administrator. Their free service provides RADIUS authentication for one wireless access point/router and up to 5 users. When a WiFi card attempts to connect with your router, it prompts the user for his/her userid and password, connects to WiTopia's Radius server and authenticates the user.
Overkill? Probably. The biggest problem that I can see with it is that my Internet connection has to be up for me to even get onto my wireless network. But, still, it's good technology. Window Secrets has this article on the service.