Microsoft wrote:
"Staying secure on the web is more important than ever. We trust web sites to process credit card numbers, save addresses and personal information and even to handle sensitive records like medical information."
The first statement is true and the second is not. One person doing something stupid and getting their personal information stolen is tragic, while a corporation doing something stupid and getting millions of people's personal information stolen should be a crime. I thought up a password that is secure and I can remember, why can't I use it everywhere I want. Corporations should air gap or something very close to that, our personal data and passwords since they take it without any way for us to opt out of their prying eyes. The real problem isn't on our end, it's on theirs.