Re: Ahhh passwords...
If you want to be scared, try lots of online banking where they ask for specific numbered characters from your PIN and password
e.g. digits 1 and 3 of PIN, characters 3, 6 and 7 of password
Which, would either mean plain text password storage
Or (not much better) password is encrypted but in a format that can be easily decrypted to some degree (and so IMHO just security theatre, )
Which is why other half does online banking and I avoid it.