Hyperion FDM Run-Time/error 91 resolutions

Why is My Oracle Support note "Financial Data Quality Management (FDM) Error "Run-Time error '91': Object Variable or With Block Variable Not Set"" found via document ID 1436909.1 so important to read?  Besides having more than 10 ways to address this type of error depending on your version and scenario?  Well apart from local user permissions causing the issues, you can also encounter this when service account passwords get changed.  Looking to rotate your passwords according to your policy?  Then you might want to learn about this issue beforehand!