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There's two reasons I can think of. One is direct resistance by services to password auto-fill during the aughts (it was new and scary) and separating the account field and pass field defeated auto-fill detection at the time. Amazon separated account and password around then and it's been that way since.
The other is your secret picture, a preventative measure against phishing attacks used by banks and other commercial interests, When you create an account, you're asked to select a stock image and a phrase that the site shows you when asking for your password. That way you know it's really the bank's site and not a phishing site.
Right now I think I have only one web account that uses such a protection.