I don't remember like 98% or 99% of my passwords. I have something like 270 on my private accounts and probably 300 passwords on my work accounts. Well password manager is useful and I can always use pw reset option built in systems.

I kindly propose everyone to forget all their passwords.

Then they mostly don't need second factor if they generate random password each time and don't care about remembering them at all.

This is why "something you have" should be ALWAYS replaced by "one of a few things you have" where you report/deactivate any lost things.