My bank once had an "IRL password" like this, which I'd use when calling them. They silently dropped this feature after a few months. I'm guessing it results in

My bank once had an "IRL password" like this, which I'd use when calling them. They silently dropped this feature after a few months. I'm guessing it results in negative ROI once you factor in the number of people who would opt-in despite routinely using password reset as their login method.