That’s a very dismissive attitude. If you want to make the world a better place, you have to accommodate the average user; One can’t say, “you’re not smart enough for our service.”

If you’re serious about the security of your data, you need to know how to pick a password you will remember. There are things in this world that we ask of average people that are far more difficult. In 2020, picking and remembering a password should be table stakes at this point. It’s not 1997 anymore.

The key word there is “if.” Most people don’t care about the security because they’re unaware of the risks involved. Stories like this blow over in a week or two.

Most people don’t want to lose their stuff because they forget a password. That’s why unencrypted data and password resets are a thing.

What we as tech people should be doing is educating and helping those people. Set your family up with a NAS for local backup and have it mirror to, say, Backblaze. Set your parents/grandparents up with a password manager. Etc.