simple... type one (1) 20 character password 100s of times, and get it into your muscle memory. nobody can look over your shoulder and see your 24 character password typed in 12 seconds. also, remember, no words allowed, include spaces and numbers.
What do you do?
A: Have one master password and hope nobody guesses it (you are screwed then) or:
B: have many passwords, even out the risk; but risk not remebering them all; then:
C: Write down many passwords on a sheet of paper (bad security risk).
Any way you see it......