There are too many passwords to remember.
Therefore the user experience of “forgot your password”-button is essential. Not surprisingly when I had to reset my password for Skype, I was not particularly happy with this captcha:
How you should write this up? First the rows or columns? Funnily (or annoyingly) enough the audio did not make any sense.
Eventually it took 15 minutes for me to reset my password and even then I am not exactly sure of the logic of captcha. Not surprisingly I generally prefer Hangouts over Skype.