My bank is stupid.
They send you a new card, but it is blocked so bad guys won't be able to use them. Clever. To unblock it, you go to an ATM and enter your password, presto!, card is unblocked. Now think again. You're a bad guy and you steal my card that's delivered completely unblocked. What would you do with it? How could you use it? You'd probably go to an ATM, type the password and you get all my money! Conclusion: blocking the card is completely useless.
They send you the card, and if you don't unblock within a few days, they start to hurry you to unblock it. Where do you unblock it? In the ATM. Where do you actually use it? In the ATM! So you can simply unblock it the first time you use it! Conclusion: bugging the client to unblock the card in completely useless!
My telco is very very stupid. Now 3Com is getting a bit less stupid and is allowing me to buy an external DSL modem for US$380. Still expensive, but better than no modem at all.
Update: I've been told that baretta was "soldering out his soul", whatever that means.