If you have the capability and discipline to perform a T-bill ladder, you've gotta understand that you're not the person who general financial advice is targeted to. Being deliberately vague, but I've lost nontrivial amounts of money simply because I got distracted when doing a critical financial task and only remembered to get back to it months later. I think I can safely speculate that the story in the source article would never happen to you because you could easily locate the right account numbers if you found yourself locked out of a financial webapp.