Couldn't agree more, and to be clear it annoys the ** out of me tooBut its the need to keep changing passwords that forces people to make a note of them, a self defeating measure!!!!!!!
...and would make it much easier for someone to try and guess it over a longer period of time and make all those passwords written down from years ago still relevant....If they just stayed the same they could be remembered easily.
It's a little bit chicken and egg, and I'm not sure passwords can provide a good long term answer.