[eluser]jdfwarrior[/eluser]
You can set a more secure password but your members can't? Why not? Set up password requirements. Force them to be a certain length/complexity. If your users complain, tell them they can use a secure password and know their money will be ok, or they can pick any old password they want as long as they know that your not to be held liable if it gets hacked, because they were warned.