But the customers don't own the system. The exposed password, if not changed, can be sold to many others which increases the chances of misuse. Changing it reduces the risk (which is all we do in security anyways) of loss over time.
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Only if you put a "one-time" password and then delete your account. A compromised system, today, is compromised FOREVER. You can only abandon it, unless the owner decides to rebuild from scratch.
The customers can own the system: just self-host. Today is not that hard. I am doing at home.