So, what, we're supposed to have a different password with special characters and nothing significant to us (like dates) for each of the 150 online accounts we have? Oh, and if we write down the passwords somewhere so we don't forget them we're dumb too? Whatever! Maybe if we all had photographic memories that would be a realistic options, but there's just no way it's going to happen like that.
It's just a crappy system, we should be using public key encryption with our private keys stored on a USB key - or some other similar scheme, where we don't have to memorize a million randomized passwords in order to not have our identity stolen.