Triggered my memory of having a Bank of Montreal account, ages ago.
I use a local bank where they know my face; but, identity theft goes far beyond that. One thing about WDC I like is that much of my writings are here which gives me a fighting chance to retrieve what I've written and a chance to prove that anything I've written is mine.
As for passwords... I can't remember them all. So, yeah, some are far too simple and others are written down. I use my WDC account daily. That helps.
"I was just joking!" would be my pick too. I have some family members who deliver horrible insults then act like anyone who reacts without a hearty laugh has no sense of humor and / or is stupid. It's mean all around.
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Sometimes I feel like a ghost... there but not there.