Thanks @DexterLaBora . I was utilizing the user/pass combo of CloudMQTT as this is for a lab environment along with just a proof of concept and I didn't want to go down the path of getting a certificate. I realize CloudMQTT, HiveMQ, and other cloud based brokers all utilize TLS/SSL but as I mentioned, I didn't want to go through the trouble of getting a certificate for a lab and/or POC only to have it torn down in a couple of months. I can't speak to what @TMD and @webfrank use case(s) are, but my use case may be a very corner case. Ultimately, having the option of user/pass for me would still be invaluable for any lab/POC that I want to attempt to show any potential customers the power of Meraki. I can always mention that this is not the most secure way and using the TLS/SSL option is the best.
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