I don't understand how that's any more secure than just using a strong password for the account. At some point, you're going to have to make that password acce

I don't understand how that's any more secure than just using a strong password for the account. At some point, you're going to have to make that password accessible to the client. Plus, it's arguably less secure because the account now has multiple valid passwords that will work for authentication, and, based on your description, there's nothing that prevents someone from using the exact same password over a netcat session from accessing the account.