Oh man, don't get me started. You would weep in terror if you know how badly most financial institutions handled your personal information. As someone in the industry, I'm floored constantly by how stupidly businesses who have millions to lose in a breach handle internal and external data and connections. BYC looks impenetrable and the admin staff are hypervigilant by comparison.I hate to rain on your parade but the internet was not designed to be secure. It is not a safe place. Even supposedly secure sites and information are at risk. Nothing is secure. Someone pretending you need to change your username is the least of your worries.