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I mean, why does it let you name a character whatever you want, with spaces, etc, and keeps all names unique, and then tells everyone your account login name?
Part of security is keeping both login and password secret, or preventing a link between what people know about you, your character, hobbies, anything identifiable, and your account name. This is why email based logins are horrible.
Imagine my surprise at joining a guild (which you can join 5 lol), and all these people I don't know suddenly know each others logins.
Not only that, but your login often just lacks character. It doesn't represent you, and sometimes it's going to be stupid (mine is not), but you keep it around just because you are used to using it.