I use my own name everywhere on the Internet. I have lots of accounts. Logins tire me out. Now I use LastPass which is convenient, but doesn’t always work well. I use mainly 1 week and 1 strong password.
My idea would be to use 1) login 2) password 3) random challenges for more security info 4) Paypal has a great device which gives me a 6 digit number to type in appended to my strong password. 5) a biometric --thumbprint for now and voice print later
Basically you need an ID name, a mental secure phrase, a random number generator (like Paypal) and a biometric. And the random number must be reinput about once every hour. This would produce pretty good security, but would still be a bit of a hassle.