I will admit that it's not quite equivalent, but there was a learning curve that happened when hotels switched from metallic keys to magnetic keycards. I don't think that it's absurd.

I guess a more direct example would be an employer trusting you with the combination of a safe. You would need to remember the combination which presumably would be changed periodically.

The point I think I'm trying to make is that it's rare for a business to leave the responsibility on the consumer to secure the property of that business whether it's access to a server, a hotel room, or a safe.