Today, if you have fewer than two dozen accounts which require a password, you’re a very lucky person. Try enumerating yours right now. I have 12 tabs open in my browser right now that are password-protected.
Tarun Khandelwal of CA recommends an extra, transparent layer of protection for the network to avoid theft or breaches, but that addresses protecting the network. It does not address the unsustainable burden this schema puts on the user.
This day of the password is over. We have to move to a more sustainable process for identifying users and their rights on the system. Biometric systems are becoming more practical every day, and may be at least part of the solution. Used inconjunction with, say, an NFC or RFID token, two-factor autherntication is quick and easy, with something you have to bring to work anyway: an entry fob and your fingerprint.