The end-user is rarely schooled in ANYTHING IT-related. Keyboards are an obstacle. Mice are an obstacle. Add bureaucracy to this and you have very frustrated users who are not going to take kindly to passwords or any other additional obstacle.
Last time I saw a doctor he was forced to "code" the X-Ray I was about to get in one of about fifty different codes made necessary by the accounting system. He couldn't see the extended explanations on the page because the data elements had been squished together. Obviously an SQL database. I helped him along.
"First you need to expand that window to fill the entire screen."
"How do I do that?"
"You see that empty square at the top right? Click that."
(Screen expands. Data is still hidden.)
"OK. Now take your mouse and grab that very tiny vertical bar separating those two fields and drag it to the right."
"No. Move the mouse until that vertical bar doubles. Now press the left mouse button and drag to the right."
"My God. Now you can see the whole thing!"
All the time he was complaining about the bean counters. Finally, he just chose a code at random. I got my X-Ray, then an MRI. Torn meniscus. Still hurts.