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well, the easy answer is, you're more likely to give your login and password out to other family members. if they tie the book just to your account, well, then you'll be sharing it. adobe's adept DRM scheme allows them to tie it to your credit card number instead (more likely a hash of it) and you're less likely to give that out. funny though, you could key it into your family/friend's iphone once and be all set. as far as i know it doesn't ask for it after that initial time, it hasn't for me.
by the way, if your credit card number changes, you have to update it on the site, and then on your devices.
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