@R0CKY
Quote: "However, for the legitimate user, you are left with the dilema and time consuming exercise of trying to figure out which e-mail account you actually used to sign up with, and which password you used for that account - beause the login page is not being helpful with that message"
If an inindividual cannot remember which email address was used then that simply demonstrates that said user is at fault. It is not the role of any security aware app to to resolve users, errrr, 'housekeeping' issues. That is for the user.
Quote: "It's treating everybody as the bad guy, and that is wrong."
Simply put, you are wrong! I take it that you are not a developer? I say that because it is that assumption you make that drives - for example - SQL injection vunerabilities. 'Security 101': Treat all input (and all actions) as suspicious.... Anything less and you are asking for problems.
Quote: "This is a classic case of the end user (good guys) being penalised or inconvienienced by systems put in place due to the potential actions of spammers/hackers (bad guys). That is bad."
No. That is good! Ease of convenience for the end user should be a consideration, but should never be the deciding factor, especially where such accomodation would result in degraded security.
Quote: "Websites should find ways of protecting their data and users without inconvieniencing them."
No. Users should bloody well remember their account details. Simple! If they can't they they should expect to be inconvenienced. Of course, lessening user inconvenience - whilst maintaining application security - is a worthy goal.
Quote: "CAPTCHA is another PITA, some of those freaking things you just can't read even after several attempts!"
I agree - in part. Some CAPTCHAS are as good as unreadable. However, that does not mean they should be disregarded.
All I can say - after reading your comments - is that I sincerely hope you are in no way involved with either systems development or security!