can we all just agree that the offer of a 50-character login is generous, but totally ridiculous?

so i was just creating yet another login and password for my health insurance's website, and i learned that my login name could be between 4-50 characters. seriously, dude, how many people are going to exercise the 50-character option? i mean, i am definitely in favor of personal freedom, and i believe fully that it's good to have options, and still...i wonder who would want that.

and if someone chose that, what would it be? the alphabet, twice, with w omitted (heh. heh.)? their name, if their name was sarah or some other delightfully 5-lettered name, ten times? a lot of z's? weird.