In 1992, in response to the growth in telemarketing and Internet fraud, NCL launched the National Fraud Information Center. The mission of the NFIC (later renamed the Fraud Center) was to give consumers the information they need to avoid becoming victims of telemarketing and Internet fraud.
Humans are terrible at creating secure passwords. The famous xkcd comic got it right: humans have been trained to use hard-to-remember passwords that are easy for computers to guess.
The modern concept of passphrases is believed to have been invented by Sigmund N. Porter in 1982.
Fine, you've convinced me. I'll use a passphrase...