"This is the way 'I' create my passwords" ... does the endowment effect deter people from changing the way they create their passwords?

The endowment effect is the term used to describe a phenomenon that manifests as a reluctance to relinquish owned artifacts, even when a viable or better substitute is offered.It has been confirmed by multiple studies when it comes to ownership of physical artifacts. If computer users also “own”, and are attached to, their personal security routines, such feelings could conceivably activate the same endowment effect. This would, in turn, lead to their over-estimating the “value” of their existing routines, in terms of the protection they afford, and the risks they mitigate. They might well, as a consequence, not countenance any efforts to persuade them to adopt a more secure routine, because their comparison of pre-existing and proposed new routine is skewed by the activation of the endowment effect.