I use Roboform. If they crack that, I'd be in trouble. But thankfully, I visit most of my financial accounts on almost a daily basis, so would notice fraud fairly quickly. But it is good I don't have a slew of accounts. 2 Bank accounts, 4 brokerage accounts, 5 cc accounts - a manageable number. I have hundreds of non-financial accounts from over the years - quite astonishing to see how many I've had to sign up for. Clearly, no way of remembering all the passwords. I barely remember the ones I visit almost every day...

My safest account is Interactive Brokers. They have one of those one-time generated password fobs, plus require 2 additional passwords to login. I wouldn't mind that for every account, but then you'd need a separate fob for each institution. SImply not workable. And I remember a few months ago I saw a news report where one of the "one time super secure" fobs was hackable (if I recall correctly, apparently wasn't generating random numbers and with proper hacking tools, you could predict the "one time" password)