Not really, if someone get hold of one of my important passwords, they would still need my code calculator to access my bank account. I'd say it's easier to get hold of my visa info and use that to do some shopping, than it is to access my bank account. Every real important site i use has at least 2 level security. So if anyone get hold of a very important password of mine, I dare say they can't use it for anything. So I basically killed my own argument, as 2 lvl security really means unique passwords?