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My personal theory is that it’s a remnant of an old system that was only accessible by phone (hence the 6 digit pin), and they simply grafted an online component on top of it
That sounds like someone who topped out with highschool level programming tried to implement a hash algorithm.
My personal theory is that it’s a remnant of an old system that was only accessible by phone (hence the 6 digit pin), and they simply grafted an online component on top of it