Half the problem is these devices won't let you use like TSS123..you have to make up some absurd password like T!ss1$2&3

Nobody remembers these passwords anymore and usually you are only prompted to change it after a long time or a change to the account, your frustrated and you never remember it.

I can NEVER remember my password to my chase account because it requires such a crazy password, same with AVAD (although not as bad)