This is far from the worst offender. Banks are typically the worst. All sorts of gimmicky password requirements. 8-12 characters. Must have one capital letter. Must have one number. No special symbols. So "I can't believe it's not butter!" won't work, yet that would probably be a pretty secure password, and be entirely rememberable. In fact I could come up with a silly pun-filled sentence for each site I visit and ma…
Look, I get that there are other safety factors (I pray) in place to prevent someone from hacking my account (most commonly in the form of login-attempt limits), but that's absolutely no reason to stop me from making my password longer and more complex. If I want my door to have a deadbolt _and_ a chain lock I expect a damn good explanation if someone tells me I can't.