Stuff like this is why I use Diceware for passwords I must memorize, and Keepass for the rest. At 12.9 bits of entropy per word my 10 word master passphrase gives > 128 bit security, which is enough for all practical purposes. I've got a few of those (Keepass master, e-mail, banking, disk encryption, PC login) but it's still less than 100 words memorized. Of course any password safe like Keepass potentially turns "something you know" into "something you have" if you get a keylogger or such, but that problem exists for all passwords anyway.
But I'm a geek. I've taken the time to understand information entropy, and how it relates to passwords. I know how terrible humans (including me) are at generating randomness. Most people aren't educated in this field, and indeed shouldn't have to be. The only solutions I've seen that I feel have any chance of working are password managers and generating unchangeable, memorable passwords for users.