I never understand why companies with such petty financial reward systems like Subway think their password systems need to be complex. Surely they realise the difference between defrauding me of £1000's, or a sandwich.

I have a petty password (with variants for annoying companies) which I put in a wiki page (protected by stronger password). Most of it is 32 years old, the end bit only 25 years old

I have a stronger password which is a decade old

I have individual passwords for the real money, written with gaps on a piece of paper on my desk.