And speaking of stupid: the British are currently introducing smart cards - credit cards with chips. And the credit card companies seem to be publicly recommending changing the PIN for the chip card. That is, changing the randomly generated PIN to a different one - and specifically an easier to remember one. Like nice things such as birthdays or lucky numbers.
I really only have one question about this: how high must be the beef consumption among the people who came up with this stupid campaign?
At Schneier on Security you can find the original article.