One small step forward, one giant leap back

INSUBCONTINENT EXCLUSIVE:
This pilot fish is paying his monthly bills online when he discovers one of his utilities has changed the payment part of its website -- a
lot."I clicked on the 'Payment' button, and saw that I now had the option of paying with or without logging in," says fish."OK, the no-login
option could be handy, but I've been paying this bill online for years, so I clicked on the login option
It asked me for my user name and eight-digit PIN
What PIN I have a long, secure password
I tried that
It didn't work."And after several unsuccessful attempts, fish tries the no-login version -- which just takes him to the same screen asking
his PIN.