Can you PLEASE cut this bull about attempting to blame users?!
Use a 30 char long pass, alpha upper+lower+numeric+symbols... in the day you format your computer and if you forget to backup the text file with it, please, kiss your account goodbye. And don't even try to access wherever you use it from outside home, as obviously you've no clue whatsoever that password is.
Nerds! People have a life! Good security is passive, is simply there, BAD security is anything that has to nag you to be secure.
Besides, MtGox was "hacked" by the only side nerdness can't do nothing about: the HUMAN factor. Wouldn't make a difference other than slow the attacker a bit to use SHA-512 or any other hashing/crypting flavor. As obvious M'Tux had no clue his db was compromised, so the attacker actually had all the time in the World to do whatever he needed to do.
Actually, you are wishing wonderland.
In the real world there is generally a trade-off of practicality vs. security.
The more secure is a design the more annoying it is to use it.
This is almost a philosophical inevitability:
If it is easy for you to get in, the easier for an attacker.
The harder for the attacker to get in, the harder for you to get in.
At the end all security measures are in fact economical deterrence methods.
The only solution to secure a system is adding layers of security and making it cost inefficient for the attacker.
See the airports? How annoying is the security?
Secure passwords? annoying as hell, huh?
Bullet proof vests? Have you ever wore one? They are heavy and uncomfortable like shit. The more calibers it can take, the heavier it gets.
Biometrics seem to escape the rule right? Seems to be simple enough and secure, well, let me pop the bubble: actually they are not as secure as they want us to believe. Actually biometric systems are very easy to fool.
If you are wishing STRONG security being EASY TO USE, you are wishing a chimera.
The weakest link in a secure system is always the human being, and this fact is known by all security experts (so called nerds, as you claim).
If the human is dumb enough to write down his password, or set it up as 1234, there isn't any algorithm in the world that will save him from his own stupidity.