I believe today, that if something like that were to occur, blame has to be placed both on the users as well as teh databaser owner.
I use different passwords for many different things. Generally on forums, it generally is fairly simple.
When it comes to bank sites, paypal, etc, really, anything to do with money, its very complex.
Basically, I have a string I use, and I code in 2-3 items differently for each site. It keeps it easy for me to remember, and if one of them gets hacked, they can't get into the others.
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