I think people get the need for a password, it's just that for the average office job, you have something like at least half a dozen different passwords, with different complexity requirements and different reset schedules. At work I have different passwords for:

Windows login

Expense report system

Timesheet system

Employee information system (where I can view my pay stub, w2, etc)

401(k) provider

Insurance provider

Various ftp or other file sharing services for shuttling data back and forth with clients.

And that's in addition to the all the normal passwords I have for personal stuff. What's worse is most of that is used infrequently so the login process never has a chance to sink into muscle memory. The login process is pretty much forgot/reset password every time I use it.