So you think the chance of human beings to come up with 4 random words is pretty low?
You can't brute force millions of guesses per second through a web interface. 40 bits of entropy is already plenty for internet usage especially when the password is properly hashed with something like bcrypt.
> Secure passwords is just a tiny subset of non-default passwords
Actually the exact opposite is true. Since only low entropy and publicly known (which are mostly low entropy) passwords are insecure there are much more secure than non secure passwords.
For the sake of argument, let's say all passwords with less than 40 bits of entropy are insecure. Even if we restrict the set of possible passwords to only 10 characters of lowercase a-z we have about 47 bits of entropy. So the set of insecure passwords would only be about 1/128 or less than 1% of all allowed passwords.