Every App and On-Line Account now requires a User ID and a Password and Security Advisors strongly suggest Multiple Passwords, completely unique, one from the other, which requires creating dozens of them. Obviously, one can't remember them all and creating unique Passwords can be a problem.... but NOT if you have RoboForm. One Master Password and all the others can be generated, changed easily, and readily accessible. I have been a pleased customer for many years now and HIGHLY recommend RoboForm.