is it just me...

...or have all of our lives become overcomplicated by trying to login, track, and remember every one of our account names, passwords, codes, pin numbers, on top of adding the extra 1-714 in front of every local OC phone call! I realize there are programs out there to help consolidate all of this information, including applications for the iphone, but are they really to be trusted? If one relies on a software program then the computer goes down, or even worse, get's hacked, wouldn't that defeat all the purposes of having password protection? It seems like the best security short of a hungry pitbull is still the old fashioned, write it down and stick it in your bra!