Most password-requiring protocols over IP use clear text passwords. Of course, many additional add on software can be used to get over many of these problems, but the problem itself originates in the protocol that belongs in the middle ages by today's needs and standards. Yet another problem is the lack of quality of service. If you stream an audio or video over the Web, there is no guarantee that you will have enough network bandwidth consistently to deliver the goods. In addition, the Internet today doesn't have a structure that reflects IP address allocation, thus requiring huge routing tables to be maintained by routers.
Network congestion abounds.
It is not possible to remember these. And you don't have to. Thus you can reconfigure automatically when moving from place to place. Your IPv6 addresses also change. Routing has been totally reworked to build heirarchies.