I agree but there is a security reason for it.
say that your login name and display name is one and the same(Bert).
And it very well could be.
But only you will know.
So now I have the first part of your login.
now on to your password.
Passwords could take some time to crack but until we get some type of flood check for bad logins to discourage somebody from running a script. This just makes it more secure for the user.
