We already have a ton of passwords to remember. Now Amazon.com (AMZN) wants us to remember something new–PayPhrase–which has already sparked an online pile on.

The program, which Amazon announced Wednesday, is supposed to replace ordinary login and password combinations with a phrase and PIN combination that are linked to a specific account and shipping address. The distinction is subtle: You have one Amazon login and password (which aren’t going away), but you can have multiple PayPhrases that are linked to specific aspects of your account, like different shipping addresses or credit cards.

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If consumer advocates get their way, deconstructing that monthly cellphone bill could become a lot easier.

Comments are filing in to the Federal Communications Commission’s request for input on simplifying wireless bills.

The deadline comes amid a thicket of consumer-focused fee news, from credit cards to overdraft fees. Consumer advocates are arguing for more transparency in billing, both when shopping around for plans and for existing mobile subscribers.

Filing comment Tuesday is BillShrink.com, a site that analyzes the fine print of credit card bills and user profiles to find the cheapest cellphone plan. The average consumer overspends $300 a month on her cellphone plan a year, Schwark Satyavolu, BillShrink’s co-founder and president, said. In the last five months, the site has found $800 million in potential savings on cellphone plans.

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A 28-year-old American, believed by prosecutors to be one of the nation’s cybercrime kingpins, was indicted Monday along with two Russian accomplices on charges that they carried out the largest hacking and identity-theft caper in U.S. history.

Federal prosecutors alleged the three masterminded a global scheme to steal data from more than 130 million credit and debit cards by hacking into the computer systems of five major companies, including Hannaford Bros. supermarkets, 7-Eleven and Heartland Payment Systems Inc., a credit-card processing company.

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Computer security professionals say many net forums are populated by teenagers swapping credit card numbers, phishing kits and hacking tips.

The poor technical skills of many young hackers means they are very likely to get caught and arrested, they say.

Youth workers added that teenagers getting a criminal record would be putting their future at risk.

“I see kids of 11 and 12 sharing credit card details and asking for hacks,” said Chris Boyd, director of malware research at FaceTime Security.

Many teenagers got into low-level crime by looking for exploits and cracks for their favorite computer games.

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