&quot;The point here is that it’s my decision. Perhaps, to me, the convenience of a single email&#x2F;password combination is worth the risk of my accounts being cracked in bulk.<p>As a user, I have the right to weigh my own pros and cons.&quot;<p>If you bore the full cost of your account being hacked, that might be true. But in practice that&#x27;s not the case. There are laws and contracts that protect you from the full costs of your being hacked and shifts some of those costs to the proprietor of the website. Even leaving aside those direct financial risks, the proprietor of the website bears customer support costs if your account gets hacked, and quite possibly PR risk too.<p>I like the Password Security Guide idea though.