Using digital devices and online products and services requires users to regularly authenticate themselves. Given that the vast majority of websites use passwords to authenticate users, this study focuses on the accessibility and inclusivity of this mechanism, using Universal Design Principles as a lens. Collecting and analysing autobiographical narrative data from 50 respondents, we use a qualitative approach to explore the views and experiences of senior citizens across various phases of website authentication. Our analysis uncovers barriers and challenges, leading to several undesirable consequences, when authentication is not accessible and inclusive. Our findings also show how users, many of whom have cognitive and other age-related infirmities which are seldom accommodated in authentication design, try to cope with these issues. We conclude by summarising how authentication may fail to align with the principles of universal design, arguing that this needs to be addressed to enhance authentication accessibility and inclusivity for all users.