That's a little complex for the average "soccer mom" who uses facebook, email, and maybe does some Online banking. WHat I tell some people that I think will follow the advice is to come up with a good passphrase as I mentioned, then just append the first letter of the service to the end or beginning to keep them different but easy to remember still, for example:
P@s5w0rd! - Windows password
P@s5w0rd!F - Facebook password
P@s5w0rd!E - email password
etc
Desslok, That is a good way to get them to at least have a different password for each site in case something happens. The next step is to see if you can convince those friends & family members to use a different pass phrase for any online banking/bill paying sites.
For sensitive log-ins I use the same 20+ character password.
It contains random letters, random numbers, punctuation, uppercase letters and lowercase letters.
I don't feel a need for different and changing passwords.
i long for a common two-factor auth approach to selected items of my choosing (not a blanket include-all common shared data system).
but then again, i also long for a solid gold toilet...
since neither of those two things are going to happen anytime soon...
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