I have called and complained many times about their password policies. They let you choose a random user id, as in, change the user id whenever you want. I bet

I have called and complained many times about their password policies. They let you choose a random user id, as in, change the user id whenever you want. I bet you the security guys over at Schwab are using that as a reason to not improve password options. I can see the argument being - "The idiotic password limitations are not a big deal because of the random userids".