Based on comments like yours, you're not not a normal human being. You are a lazy human being. Normal people might ask "gee, how might I solve this problem?" Instead, you're adopting the "oh no, it's too hard" attitude.
I've been working with normal people who manage to memorize multiple passwords for fifteen years. They aren't programmers, either, although some people are naturally better at this than others. For those who have a lot of passwords to manage, there are a wealth of options available, including things like KeepPass, Password Safe, and many others. There are "local only" options, online options, portable options, etc.
Again, your fundamental problem is that you're lazy, and you're encouraging others to be lazy and adopt terrible security practices. Stop dispensing security advice, and stop attempting to speak for what others can or can't handle.