Requiring a external storage medium would kill the service. I think you have to separate a service made for the masses and a service with focus on security/encryption. For WhatsApp there will be some instances where you have to choose between security and convince, and they have choose the former, which is only naturally.

There is one pass phrase I remember, 5 passwords, 2 PINS, 2 phone numbers. My password manager and address book remember hundreds of passwords, phone numbers and emails each.

For some reasons everybody uses an address book, many people let browsers remember passwords but almost everybody resists the idea of using a password manager and end up with low entropy passwords.