Simply ask yourself, do ATM users have trouble accessing their account information? Do ATM users have hideously long, complex passwords or utilize encryption so severe that if they lose their password they are forever locked out of their banking accounts?
If the answer is "no", then ask yourself, why would I treat my corporate users to any lower level of useability and security than that which is enjoyed by ATM and POS terminal users?
Is the answer, "I don't know any better", or "I don't like them", or "I haven't really thought about an architectural solution"?