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The difficulty of my password goes down the more often I have to change it. And I would trade convenience over security (If LifeLock can monitor stuff, so can my bank without charging me. I think it is a scam), like I get full credit card statements in the mail that has no security, but I have to log in and jump through a bunch of hoops because I use random networks to access my account. My e-mail is far more secure at least for the basic statement.
It would be impossible for me to create new passwords for every bank, credit card, e-mail account, forum, paypal, on-line retailer, and computer every few months and keep them all straight.
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