My biggest complaint these days is the demand that we change passwords every 90 days. Most people will write down the password on a post-it note and stick it under their keyboard. And usually, the 90 days is just about the time the individual is comfortable with the password!
I also wonder if it's possible to hack the IP packet and get a password that way. Are hackers watching traffic to Yahoo/Google/MSN, etc. just to see if they can get passwords? I'm sure security people have thought of that, for the most part, but. . . .
Who can say?