Why do websites require lengthy and complex passwords but credit cards only need a 4-number PIN?

Question

Why do websites require lengthy and complex passwords but credit cards only need a 4-number PIN?

In: Technology

Answer 1

A password cracker can live in the middle of nowhere, have 100 computers running 100 browsers trying to break your password all, day all night forever, at nearly zero risk.

For a credit card you need to steal the physical card, then physically go to stores a and you get maybe 2-3 attempts before you raise suspicion. Maybe you go to an ATM at midnight and try 10 combinations before the machine shuts you out, all while security cameras are recording you.