First sentence is really the problem in the modern era. The best most people can remember as a password, is some variations on common words and their date/plac

First sentence is really the problem in the modern era. The best most people can remember as a password, is some variations on common words and their date/place of birth. Hence it doesn't matter what algorithms a database is using, computer will crack most passwords very effectively, provided with common words and minimal rules. The only solution to secure against cracking is to have way more complicated passwords (very long), but people can't remember them.