They tend to create a larger problem than necessary. Take today for example. One of my programs at work required a password reset this morning. No big deal, this occurs every 90 days or so. I'll just pop in my current password and create a new one. What's that, the location of my current password is no longer there? No worries, I am pretty sure I remember it.
Not one to delay suspense, but if I had remembered it I wouldn't be typing about it. Is that considered a spoiler?
After 55 minutes of waiting for a reset, it is done. Now I have one other password I cannot for the life of me remember. This day is not starting out too hot. Figuratively. Outside is rather hot.