I agree with this with every fiber of my being. I get the importance of data security, but really.
So I developed a method that works very well for me, fits the requirements of 99% of all password systems, and is easy to remember and very difficult to crack.
Step 1: Pick a 4 letter word and a 4 digit number that somehow go together, for you (yeah it can be that kind of 4 letter word if you want)
Example: jazz1997
Step 2: Alternate "shift" while typing in the new password. This gets you a combination of upper case, lower case, and symbols and numbers in your password.
Example: JaZz!9(7
Step 3: For added security, string a couple of these together. Security firms have shown that 8 characters is the "sweet spot" for remembering a password and providing decent protection against cracking, especially the password has all of the major character groups represented (upper case, lower case, numbers, symbols), but 16 characters is the magic number for making it virtually impossible to crack with known decryption methods. Something like hundreds of years to crack it.
Example: jazz1997 and karl1985, combined you get jazz1997karl1985, and then shift every other character gets you JaZz!9(7KaRl!9*5 - awesome password there, very easy to remember,.
The only downside to this method is remembering the symbols to be able to enter a password like this on a mobile device, but you can always just add a certain symbol at a certain point that you can always remember and change the words around it like this:
Jazz*1997&Karl*1985
So keeping the *'s and & intact, along with the numbers, and just make the first letter of the words upper case. Still far easier to remember and way more secure than what most people normally do with these, like adding a number at the end and just incrementing it +1 for every new password, like johnspassword1, then johnspassword2, etc.
People that use their actual bank password in online examples of how to use passwords.
Wait... not a pet peeve, thank you.