Your comment would be interesting if it brought some ideas to the table. Lots of people work hard to come up with ideas that strike a good balance on the really difficult trade off between security and convenience. Comments like yours that seem to imply this should be really easy, but don't provide any ideas, aren't very helpful.
If I had a good idea I would have provided it. I wish I had one.
What I am saying is that from a regular user's perspective there is no viable way to do it right and we shouldn't be surprised if people follow bad practices. We can't just tell people to:
- don't write down passowrds
- have unique strong passwords for dozens of sites
- always type them in
