before I try your solution can anyone tell me why or how my password would suddenly stop working? It is that part that is very unnerving.
I am confused all right,  confused as to how this could happen at all.

So I tried to log in today and while openledger accepts my account name as valid it tells me the password is wrong,  which is friggin impossible,  I use a password manager and a generated dificult and unique pass. IF I had for some reason changed it it would have been changed in the manager.

So what the hell is going on? I rarely log into this account and I do appear to have a bin file (bitshares-wallet_backup-bts_default_20160509.bin) which seems about right date wise.

How do I get around this?