An interesting thread--and one, IMHO, which is pretty much completely mistaken. @:-)

The problem is not folks, young or old, who don't create, can't remember passwords.

Rather, the internet system is just plain not secure. Wasn't really designed to be secure and all the kludging in the world is not going to fix it.

Unfortunately, the financial world leapt onto the net to market and cut costs without looking forward. Now, there is no going back.

In other words, its not your fault. It is the financial institutions which have failed to make the system secure--okay, Microsoft ain't helping much.

Secure passwords and hints are nice (and may help a bit). They are not going to solve the problem--not even your personal security problem.

Wish I had a solution that looked likely to be put into practice.