Entering the four digits of my bank pin is already annoying enough. Sure, it'd be safer, but it's easy to avoid keyloggers. I've been using computers for ages, and I've NEVER gotten a virus, keylogger, worm, or anything. All it takes is some basic knowledge, and then some common sense. If Jagex for some insane reason decided to do this, it would be punishing peole that had the common sense to have long, random passes.