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What exactly is grayed out? Have you ever entered your login credentials?

When I try this with a clean device (no previous settings), it puts "user" in the user name field. Tapping at the right end of the string "user" allows me to edit the field. Are you not seeing that behavior, or is the problem at another screen? If I put my MobileMe user name in and tap Save, I then get the Login to "" / Secure Website screen which has two fields for Name and Password, both grayed out. If I tap in the fields, I can then type in my user name and password. Are you seeing something different?