[rcarr]

This is especially daft considering the vast majority of credit and debit card PINs are four or six numerical-only digits. At least the discord password could be alphanumeric plus symbols. Why is a Discord password being held to higher standards than a bank card PIN?

[ohbtvz]

Because the bank card chip is irremediably blocked after three wrong tries, and you need to submit documentation to your bank to get a new PIN. I don't think discord forces users to reset their password via snail mail after three wrong tries.