I would love to have systems where I can set a password and there is not online reset available. For my retirement account, for example. If I forget my password

I would love to have systems where I can set a password and there is not online reset available. For my retirement account, for example. If I forget my password, I have to go to an office in person to reset. Maybe a $50 fee, if this service is too much of a burden on the broker. Same with my bank. They have branches everywhere. I know many people forget their passwords all the time, so they need a easy reset for those people, but for others that want a more secure system why not an in-person reset for a fee? Bad PR? News stories about how those greedy banks now want to make money when you forget your password?