The answer to #4 is "Well then you don't have to have any" and tbh #3 sounds like a self-fixing problem and the solution to all 4.
Well, no, not really. If I forget a password I've only lost access to the one site, and it's recoverable. Just an partial failure. Not going to lose everything unless I literally die in which case I don't care about anything anymore. And no one is going to breach my brain short of tying me to a chair, and that's not really my threat model.
Not recommended. People can and do crib the kinds of things you're likely to have around you. It can narrow the field of guesses more than you'd think.
Well, no one else comments in these threads, might as well.
I guess what I mean is, it's a single point of failure. Usually an extremely strong one, granted.
Basically what diceware does. It's just that humans are really bad at picking random words ("banana" is over represented, for instance) that's what diceware helps with.
Diceware is a method of generating random memorable passwords.
Password managers are OK but I have hesitations on them personally. I'm leery of putting all my most high-value stuff in one place behind one password. What I do instead is memorize a truly unreasonable amount of passwords, though, which I recognize is not a reasonable expectation for others. For threat models in which you're not worried about in-person attacks, it may actually be a good idea to just write your passwords down, maybe keep your password book in something with a lock on it. I'm not advocating for any particular method, just putting it out there so people can make an informed decision.
This is what you get for making me admin, I've gone mad with power, muhahahahaha!
crimes o-o
Hey, if that's what's fun for your group, fuckit, why not?
It's darn near negligible now, but any company that leaves that $.01 on the table will eventually get eaten alive by a company that didn't.
And free speech was never absolute. Forget yelling fire in a crowded etc, no sane person thinks that you should be allowed to commit fraud, for example.