The problem is, the login form doesn't remind that a) a special character was required and b) what characters that particular site thinks are "special".
(Data: I have 72 logins currently cached in Firefox. Every single one of those sites accepts 10-character mixed case alphanumeric passwords with no extra special character requirements. About once a year I come across a site that needs one.)
Still, I'd say it's inconvenient to have "special cases" to remember about. Even if they're something important, like banking.
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Someone had mistaken downvote with "I disagree" rather than "unhelpful". Upvoted you, as I think your comment was helpful and contributed to the discussion.
But this is going off-topic (and discussing votes is something we should refrain from)