re: How Many Unique Passwords Do You Have

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I guess my question is, at what point do we have too many accounts/services/logins all with their own set of rules where it becomes necessary to write down or log all of your passwords?

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If you want the simplicity and access of online accounts, then each requires a password. That's what people want. It's why keypass/password safe/etc. exist.

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Having all of your passwords stored in one place seems to be counter productive.

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If you've written them down, yes. If they're in a protected/encrypted document or program you can access easily, then no.

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No, If anyone wants to log in and pay my water bill, have at it.

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If they have one password, good chance they can guess them all. If they have that password, they can contact the provider for your address and other personal info which can lead to other thefts.