and if the password were strong (truly random) then it can't be memorized over long term. they still have to write it down so that they won't forget it (after like in a year)
Actually everything has to be written down - seed words and password - even if it's something very simple.
I've seen cases when people got a stroke and forgot even to walk and of course even their kids' names (!).
One has to think / plan for long term and what I've said can happen because of a car or motorcycle crash too, so it's not age related.
worrying that the (seed phrase 12 or 24 words) is stolen or lost
You can keep the seed written onto paper buried between many other useful and / or useless papers. Most people will not know what's that and what to use it for.
Or you can write here and there onto the pages of a book your seed words.
I mean that a seed has to be written down and it's not too difficult to hide in plain sight.