Each week Joshua Fruhlinger contributes This is the Modem World, a column dedicated to exploring the culture of consumer technology. I get it: The Internet is a dangerous place. People want my stuff. There are bad people out there, yadda yadda yadda. But the password requirements and security verification processes in place are Kafkaesque, mind-bending, and straight-up annoying. Every time I need to access my online mortgage account, I am forced to reset my password because, without fail, I enter the wrong one three times. I couldn't tell you wh
