Is there a way to bypass entering your account password every time you want to download something from the store.?

The app store interface is maddening. if i enter my password wrong once i have to reset it?! much fail.
all im trying to do is download a free program, why do i have to enter payment information? i dont mind. but why cant i just skip it. so when i actually want to make a monetary purchase i can enter my information then?!

Security. Anything less would be easy for folks to hack your account.

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