[scintill76]

> three or fours tiers of passwords

Can you elaborate? My first thought is tiered by category of the service. No, I don't want my financial institutions to all have the same password, even if it's from the most secure tier.

[pdenya]

Sites require you to sign up but it won't matter much if someone gains access to your account on them. Those might as well share a password. Same with sites that share trust buckets like [goodreads, yelp], [facebook, twitter] etc.

In the real world though just memorize separate bank and email passes and use a password manager w/generated passwords for everything else.