Not sure I'd prefer the easy internet of the past though. I hope no one forgets websites used to store your password in plain text and just sent it to you if you forgot. Oh and password length? Any 4 characters will do! Buying online? Yeah just need those super secure 3 digits on the card please. There's a lot of unneeded fluff today like the promos and cookie disclaimers could have been handled at protocol level. But what is there for security is generally good change, even if it makes the process more complex.