Is impractical.

I have many online accounts and a small number of those I use at least weekly. It is impractical to remember so many different secure login combinations. As mentioned above, it is impractical to maintain & track so many different login combinations

So yes, don't use common passwords on accounts that contain personal identity or financial information.

Also, be practical & perceptive in your online activity and interactions. One is far more likely to be harmed by responding to a phishing email or a scam than by having one's account digitally hacked. If a website seems to attract suspect advertisers & popups, consider not visiting that website.

Lastly, if your phone is your connection to your most useful services, imagine what happens if you lose it and make a contingency plan.