Software Security code writers don't live in a real world. How are we meant to remember multiple passwords, some with special characters, some without, change them every year etc etc.
The latest one I had was when I changed my phone and computer to more up to date devices. Same e-mails, same mobile number, same password , but it locked me out. One site was so "tight" that I had to open a new account with a different e-mail.
Now NATIONWIDE BS won't accept me to switch accounts as our official address does not have a road name and hence no house number – although in the past, they sent me statements, Notices of AGMs etc by post.
Its been a bad day!
Bob