I wish I knew about the easy ways to reset passwords
Try to open a Hotmail e-mail account and then, without knowledge of secondary account or computer with Vista or Windows 7 that may have been used (the only computer allowed to make changes btw), try to change the password and get access. As a tech savy user, I tried to help a friend who could not get access to her account. We even knew that other e-mail addy but since it was also a hotmail account and hadn't been used in some time, could not get access to it. At least Gmail has a way to call someone, but not sure how well that works, just saw the phone number which Microsoft does not have. Best solution is to have a local ISP and e-mail. You cannot change password without contacting them directly and you have people to talk with instead of a computer. Better security and less hassle for those in real need of changing information. Don't have too many passwords either. For the average user, they will forget passwords unless they are written down either in a file or on paper. This makes information less secure right off the top. If requirements were the same on all sensitive accounts it would be a blessing, but some require you to reset your password or access account within a certain time period. Some require letters and numbers, at least 8 while others require at least one upper case and one lower case as well as a number and some kind of symbol. Why not make it universal? I'm sure the government could simply tell people their url will be removed from the DNS unless they comply and have it happen. Pretty easy to force companies to stop being so lazy.