Let's not forget that most break-ins results from users divulging their passwords.
Nowadays we have passwords for everything. Since there is no way we can remember everything, users tend to use the same password for different things, or to write down the passwords elsewhere. The dangers of these two scenarios are pretty obvious.
For the first situation, the easy way for the potential hackers is to create something (eg. forum, online group, etc.) and to entice the users to register. The tendency is that users will use the same password as their email or other accounts.
The second scenario involves a bit more work, such as visiting the victims, observing their desks, etc.
Of course, there is always a problem with users not being able to keep their mouth shut (thereby, revealing hints to their passwords), or users using weak passwords.
Sometimes I wish that there is a special 'language' for passwords, that is unpronounciable and unwriteable. It should be something that users can easily remember and naturally know what to do when they need to log on, but they can't pronounce the password nor write it.
