From another angle.
Part of the problem is that every fucker wants a password. I can remember a strong password. Or three.
So, what are the risks if my password is cracked for:
El Reg, or any typical messageboard. Apart from embarass me, or get me banned.
My utility account password (no card details saved)
A one off purchase from a site (again, no card details saved)
Or am i being naive?
Biting the hand that feeds IT
