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What stupidly easy tech solution do people gloss over all of the time?
(kbin.melroy.org)
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At my previous bank the password had to be a 5 digit PIN code...
At one point, Charles Schwab allowed a password of infinite length, but SILENTLY TRUNCATED ALL PASSWORDS TO 8 DIGITS.
This is something I sent a few angry emails about wherever I could find an opportunity.
Sketchy indeed. I've seen this as well, and the redeeming thing about it is that you're locked out after 3 unsuccessful login attempts - so no matter how easy bruteforcing would be, there's a safety catch dealing with it.