However, most users will not bother, and getting them to use at least decent passwords would be a great step forward. Additionally, you still need a master password for your password manager.
We were changing domains at the same time, so my new password root is now based on the first three characters of the first 3 lines of the thing, which included some punctuation, then the standard numeral to increment every 90 days.
My password was in plain sight for a couple months before I got around to binning it, which actually makes life a lot easier. Especially when you're not using it often enough for it to be muscle memory - which is the problem my parents face.
As stated by zamalek, the trick to not memorizing many passwords is to use a password manager.
There is a certain degree of trust that non-technical users are asked to do that should leave us with at least a mild level of discomfort.
The same applies verbatim for people trying to roll their own 'clever' encryption schemes.