Trained to use hard to remember passwords which are easy for computers to guess

How true. I'm sick of being forced to pick new passwords by algorithms which insist the ones I'm using are too short, don't contain enough $%^&) symbols, or are too similar to passwords I've used before. My bank makes me put in a password every single time, which is a complete PITA on my cellphone. My wife's work Blackberry now requires a 14-character password every time she wants to use it.

This is not security, it is just more security theater. Just give me a pin pad or some little interactive puzzle mechanism that I can do in my sleep, but which has a large number of possible wrong combinations - if it comes back wrong several times in a row, then ask me for the password. Right now it's easier to get into my account without my overly-elaborate password, by saying I've forgotten it and then answering biographical questions - which of course I gave truthful answers to, back in the day, and which I am now unable to change. 1Di0ts.