[cplease]

> Then again, when a password fails, then all you'd have to do is retry with a safer version

And after three or five failed login attempts you get locked out and have to call the bank for a password reset, and throw away the damn card in frustration.

> (and maybe only have two password kinds, for convenience - full-blown char support, and minimalistic lowercase-letters only, so you'd only have to retry a single time after the first failed login).

If you're authenticating with more than HN and Reddit, you'll encounter much more than two mutually exclusive password policies.