Account safety

I love aditional security too when is optional. Nothing pisses me off more then stupid questions from program X or Y like:

"Do you want to delete that?"
[YES]

"Do you really want to delete that?"
[YES]

"Do you really really want to delete that?!??!?"
[YES]

"Please type your password to confirm"
[**********************************************]

"Your password seem to be wrong. Please try to type it again"
[**********************************************]

"Your password seem to be wrong again. Check if you are not missing any keys on your keyboard and try again"
[**********************************************]

"Your account has been locked due to repeatedly entering a wrong password. Please give us a email with your personal informations and bank accounts in order to unlock your account."

The weakest part of any systems security is the user