At Schwab my voice is my password. Is how Schwab authenticates me by voice. That demonstrates to me schwab knows they need a voice passphrase that wouldn't be used in passing or without raising suspicion.
I just thought it was an interesting contrast to the bank executive story. Which demonstrated how the passphrase may have evolved and that moving money is done by voice authentication today.
Using just ones voice is bad. Using a phrase is better. Using a phrase that is unique and describes its function may set-off alarm bells for some.