What's a person to do?

Every website, every bank account, credit card company, mortgage company, sweepstakes entry, multiple email accounts, news sources, blogs, and on and on require a user name and "secure" password. What's a person to do? It's a dilemma. Do I trust myself to remember my user names and "secure" passwords that must, in order to be "secure," be changed every so often? Do I keep an "address book" of user names and passwords? Do I use the same ones over and over? How "secure" is that? Do I create new and inventive user names? What if someone else, heaven forbid, has mine? Then I can't even finish filling out the form! I'm completely thrown for a loop. I really want the Southern Living Dream Home, but, honestly, I don't care if I win the Bass Pro Shops Sweepstakes. That way I don't have to come up with one more user name and "secure" password. That's where I draw the line.