I am sort of wondering how hard it would have been for a hacker to get hold of my hotmail.com sign in. It seems like it is pretty secure, although I would guess that if a person were really determined they could eventually break it. I have a method for creating passwords, you start out with a sequence of numbers and symbols. I use the same one, so obviously I would not want to give it out in public. Then I take two words that go together, but I spell them incorrectly or I use something similar sounding or a homophone. For example there are three words that sound exactly the same, sale, sail, sell. You could change any of them for the other, which makes something that can be remembered. However it is not likely that a hacker using a vocabulary file would be able to break it. At least to do it would require a huge amount of effort and a lot of time.
There is plenty of reason why you would want to expend that sort of time and effort if you were going to break in the Bank of America or Wells Fargo. They have billions and billions of dollars that you could steal. At the moment I barely have a hundred and fifty dollars in my checking account. I have credit cards, but the ones which I expose to the internet are not going to be that worrisome if they are compromised. You do not want to use a credit card on the internet if it has a huge limit on it. The one I use most of the time only has a two hundred and fifty dollar limit on it. So if a hacker got that credit card number, it is not like they could buy a car with it.