I'm not sure this one counts as trivial. Wait until the next time you have to change your password on Best Buy's website. It required more complication than any other website I've ever used up to and including all my banks, (USAA, Citi) retirement accounts (Schwab, Fidelity), and post tax investment holdings (ETrade). So, compared to every dollar to my name, my Best Buy account is (theoretically) more secure even though the rewards balance value varies pretty reliably between 4 and 11 dollars.
I've had two security breaches in the last handful of years across my entire life...my Best Buy account ordered an iPad Pro for shipping to Maryland and I had a credit card number compromised by guess who*?
There is a 0% chance I can actually buy something at Best Buy right now without going through the lost password routine and generating another one that meets all their rules that I similarly won't remember. If Circuit City still existed, this would cause me to change my buying behavior entirely.
*I can't actually prove Best Buy was at fault, but the story is a lot better if they were.