When we grow older we tend to forget passwords and user names etc.

Not entirely true. In this day and age, when roaming the internet and became part and participate within the w.w.w. , we create so many different accounts, passwords etc. we WILL forget some of the less-used passwords and/or accounts.

Some users use programs that store these info for them, but are you sure some info is not send when on-line with such so-and-so-password-storer program?

This was the solution to my own security problems.
A program originally written for "Need for speed world" accounts (which I have a lot of ), and later it become part of my everyday internet life:

W10 Accounts:
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The program:
W10 Accounts.zip