Might I recommend a reasonably secure browser with an in-built password generator and manager? I use Firefox. You make up a username and it generates a safe password and saves it so you don’t have to remember it’d Just use a safe password for the browser itself that you can easily remember. I personally feel that’s a decent compromise between secure and convenient.
That’s still shifting responsibility to the users, which is great for all these crappy products, but we should be demanding better.
I love the basic instructions for someone debating security policy nuance. It’s like you don’t get that he’s way, way, way beyond “pick a password you can easily remember” despite the technical level of the discussion.