It puzzles me when I see that people work really hard to come up with difficult passwords for their bank accounts
And do you see people coming up with such passwords often?
Most online banking systems intentionally do not even give full account or routing numbers to logged in users, and I've never seen one give out SSN or DOB either.
Hmm... you're familiar with most banking online systems?
You almost had me convinced to make a super easy bank password. Nice try, identity thief!
Never put off till run-time what you can do at compile-time. -- D. Gries