A consultant, eh? I've run a consulting firm of my own. I'm not talking about my company in particular, either. Instead, I'm referring to the great many places I've seen both good and bad password management practices being employed. The difference between us in reference to the latter case is the fact that I've helped people find simple tools that would solve simple problems like these, thus preventing further issues down the road.
It's disturbing that you would attempt to use your work history as a consultant to reinforce (yet again) acceptance of bad information security practices. Perhaps your clients needed someone a bit more informed to help those in the trenches, and it makes me wonder what other bad practices you've spread around over the years.