What's the password?

I hate passwords, it's no secret that I find it extremely difficult to remember a string of numbers, symbols, letters and random squirrel sounds in the right order so I inevitably end up:
a) writing them down somewhere (which apparently defeats the purpose) or
b) locking myself out of my computer, cellphone or bank account

I'm sure I would manage if it was only one, but I'm confronted with "enter username/password/pin" at least 4 times a day.I can see myself standing at the corner of some busy crossroad in Johannesburg with a sign "Family to feed, forgotten pin, please help"