But you get locked out forever after three tries. Consider the PIN to be a convenient way to not have to call the helpdesk every time you want to access your account, not as a key used to secure your data for eternity.

I wonder how many people's PINs are the first few digits of pi, e, or the Fibonacci sequence.

One number less and hackers would be all over them! Be thankful for that extra number! ;-)

Are they assuming you're too brain dead to remember more?