Creating quality passwords is easy if it is intentional. What I mean by that is that you have to know what you're doing and why you're doing it. You do not - repeat, do not want to create a password that is easily discovered. If you do, you are asking for trouble. Also, a quality password is also a strong one, one in which there are capital letters, small letters, numbers, and symbols. Even if you have only one of each, that is much stronger and tamper proof than if you entered the name of your pet or your daughter.
Normally, companies such as banks require that you have at least numbers and letters in the actual password. While not the strongest, it is still stronger than just a name with a capital in the beginning.
In addition, a quality password is also one in which you can remember too. How many times have you chosen a password and forgotten what it was. So what do you do? You click the "forgot my password" or "forgot my username" link and the system automatically resends you the password or makes you click a link to change your password on its own site. I can't count the number of times that's happened to me.
So, when choosing a password, make it as random as possible but as memorable as possible. The more variety you have in the way of capitals, small letters, symbols, and number, the better your chances of never being found out. It's not a difficult task to choose quality passwords, but it is an intentional one.