Re: IF you are rotating passwords...
I thnk one thing that would help is not insisting on a upper case letter, number, character in each case, but allowing LONGER PASSWORDS so phrases can be typed in. The amount of sites, including banks, who seem to have an arbitrary limit of 9 characters. Also - who DONT TELL YOU when you have filled up the password field so you type passed this point, then wonder why you can't log in to your new subscription when the password you filled in TWICE fails to work.
Obviously sucks on a mobile, but then so does having your accounts hacked.