Yep. Most of it is because of all the crooks in the world. I used to use a couple of different passwords to most sites. I'd do a more complex PW for PayPal or something like that but last year someone hacked (took over) my Ebay account. They didn't do anything that I could see, I guess I found out in time and got my account back.
Then I set about changing all my PWs to harder ones, then I would forget them.
I got an APP called iPassword. All I have to do is remember the PW to the APP and remember to lock my phone when I go out. It works for me but it is all an aggravation. It is mind boggling how many people will steal. Even people who don't normally steal will, well some will. A few years ago, about 15 I guess my sister-in-law told us a story, she thought it was funny, it made me mad. A friend of theirs went to a small store and the gas pump was not set right, it was selling gas for pennies on the dollar. He went home, went back and forth and filled up every vehicle he had and all his gas cans... she thought it was funny. My first thought would have been to tell the store keeper. So... I don't see it coming when people are a thief. It always surprises me.
About 15+ years ago WalMart began checking bags and looking at receipts whenever you left the store. It offended me. Then I went to a convenience store that I was doing service work for. While talking to the clerk she told me that they had lost over 100 dollars worth of cigarettes in one shift that day. This was when they still put them out on the counter and they were about 1.50 or so a pack, I guess.. I didn't smoke. Then I began to understand why WalMart was checking bags. It wasn't long before cigarettes were no longer on display racks on any counter.
Those same people and more have full time work trying to steal from you and from me online.
Yeah, it's aggravating but it still may not be enough.
Think.. if someone could hit every Visa/MC or other credit card account for something like $0.79, they would have mega money and most people would not notice and if they did would it be worth their time to do anything about it? People are working FULL TIME trying to take our stuff, our identities, anything they can take from us and they force us into all these aggravating things we have to do to keep them at bay.
At least they provide a living for Herb! Eh... don't get me started.
Corruption from the top to the bottom is the problem.