Your assertion that you need a "system" to remember multiple passwords is simply false. In fact, I generate passwords with a random generator I wrote in python,

Your assertion that you need a "system" to remember multiple passwords is simply false. In fact, I generate passwords with a random generator I wrote in python, just like any software "solution". You did touch on one of my secrets, I don't maintain hundreds of superfluous "accounts". I'm not going to count them, but I suspect I'm at around 30. If I don't log into a service for a long time then I just go ahead and transition that to "never" in which case it doesn't matter if I remember the password or not since it's clear I don't need that account anyway. I also use unique logins and emails with each service which I guess is even more to remember. For throwaway accounts and things that really don't matter I use an easier to guess (and crack) leetspeak pw and/or a post-it note. I suspect people who are not techies have even fewer accounts to remember so this may actually work for many (though I agree, not all) of them. Probably more than you give credit. In fact I assume that most non-techies are simply keeping credentials in their memory in which case the best advice is probably just to remind them to use unique ones, at least for their email and their bank... I've also worked help desk and no one ever called to report that everything was hunky dory. Anyway, I appreciate you taking the time to address the issue rather than just leaving another drive-by downvote.