Personally I don't just see why you can't encrypt it on the way in and also on the way out as a reminder. After all these are forums, not CIA top secret files.
p.s. I don't mean to be sarcastic but this is the only site I have ever found that doesn't let me retrieve my password, or at least sends me a link to set a new one, rather than sending a temporary one which i then have to log in, which i then have to remember to wrtie in the original password box before I then have to update it. Way to long a process and way to unfriendly to a user.
Very secure though I agree