Who said they're storing passwords in plain text? They could be paranoid enough to remove hashed passwords. If you know what makes the hash you can reproduce. I

Who said they're storing passwords in plain text? They could be paranoid enough to remove hashed passwords. If you know what makes the hash you can reproduce. If it's a database with financial information, I can see crackers devoting time to do this, making their rainbow tables and botnets or whatever to guess the passwords.