I'm capable of not clicking on random links in email. I'm not cognitively capable of remembering dozens of passwords and then "forgetting" them (i.e. memorizing

I'm capable of not clicking on random links in email. I'm not cognitively capable of remembering dozens of passwords and then "forgetting" them (i.e. memorizing that the password you previously memorized is not the password any more). And then throw in the fact that schemes like that also don't work.