1. seems like someone is really screwing up with an API like this.

2. Ok, for a three word combo with I think >40000^3 =64 billion possibles, so to have a 50% chance of cracking a password you need 32 billion goes, with a human speed api you're talking 5 seconds per go (mean, and probably you'd get caught on this rate) so 1 million bots (and I think the bank would be suspicious if it saw 1 million different IP's trying one account- would need 32 * 5000 seconds.. 2 days to get one account. Doesn't feel remotely feasible!