You seem to be spending far to much time passing the buck to articles that we could care less about; WHY WE ARE FORCED TO USE A PASSWORD.  Nobody cares why QB thinks it knows better than the consumer and forces it on us.  PLAIN AND SIMPLE - OPTION TO DISABLE!  I'm sure it could even be done through a patch or update.  Perhaps if you focused more time getting that implemented and less time passing the buck to senseless articles we all would stop complaining.