Password Grumbles

Why in the world do financial institutions come up with stupid password rules like: "Can contain only numbers and letters from a-z"???

Do they not understand that passwords can be come so much more difficult to crack if you open up the spectrum of characters that are allowed? And financial institutions of all... It would be one thing if it was my neopets password (yes - I have one - a green elephant named Ganesh Green - not sure if it is still alive) or something like that, but my bank account!?!?!?

Anyway, just had to vent.