> When you ask people to remember too many passwords, they start writing them down and/or forgetting them, which leads to other problems.

Writing passwords down isn't the worst thing. If you can't convince someone to use a password manager like 1Password, getting them to use a physical notebook of unique and strong passwords is actually the next best thing, because (combined with 2FA) it protects them against the most relevant threat models for most people (phishing and password stuffing).