FTP Using Safari Browser

Accessing an FTP server through the major browsers is very straightforward. You type ftp://thedomainname.com then a box pops up and then you enter your username name and password.

For some reason, in Safari (5.0.2) you have to enter the username and password within the ftp address: ftp://username:password@mydomain.com (Sweet! so whoever is looking over my shoulder is going to see my password)
what kind of a genius idea is that?