Complex doesn't mean hard to remember. XKCD936-style passwords (four words with no special chars) are nearly uncrackable and quite easy to remember. Something even simpler like [mother's name][father's name][year of birth] is also very strong when you aren't being targeted specifically (you almost certainly aren't, especially if you're homeless). The remaining issue is password reuse, but that's mostly solved by having two passwords - one for your email and one for everything else.