You have to be careful. People are incredibly naive and stupid when it comes to avoiding fraud. I just read how about half of the passwords used for credit cards, bank accounts, etc. are things like "1234", "password", the person's name, etc. Those people almost deserve to get their accounts drained. That's why I either use "566-89-7444" which is my social security number, or "588OCCx081361" which seems hard to remember but isn't because I use it for US Bank, Lowe's, American Express, and Sprint, so I only have to remember it once for all of those, plus it's not really random because the first half is my license plate and the last is my birthday.