Anyway, you need wild-cards. For most simple hacking is just stealing the drive. I will give you the example of a wild-card. It is crypted, and all you have to remember 3 letters, and it will be, for example, #ort excluded. You can store it on your drive, even if it will be uploaded or stolen, it will take efforts to decrypt it, including mailbox log-ons.
keywords: sasha#, mental#, petrov#
mail: sasha2012#.yandex.ru, petrov2012#.mail.ru
keyboard passwords for unknown areas: vbghyu78#, 98iujhnb#
mailbox passwords trusted: T678uiGh#, Е67trf3We#
and so on.
Answer: This is the low level of protecting the information by excluding or hiding part of data, it refers to a case when you have a lot of accounts and you want to store the registration data somehow. In any way it is better to memorize your logins and keep everything in head, especially the access data to your money accounts. Most use paper, others specialized software, and another means to protect their accounts.