Except, oh wait, even people on HN don't always follow best practices because they can be fucking hard sometimes. And that's before we get into the support email I got from a 90-year old user that consisted entirely of the subject line "WHAT IS PASSWORD".
I will guarantee you that somebody with access to every Pandora user's username and password will be able to access multiple bank accounts (or worse) within a short time period even though Pandora itself is a key example of a minimum-damages service.