I agree X 1000
I have over 80 various accounts and logins for a multitude of websites and services at work. At least a dozen of them force you to change your password every 2 to 12 weeks. There's a dozen different formats required for them. It's hell.
It's no wonder people keep all their passwords in a note book on their desk. Companies have made things so secure, that they've become less secure due to the "limitations of the human interface".