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.
If this, then would your suggestion at the bottom still stand?
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.
I have to admit that it came to me a number of times how quite hard it is to be your own bank, especially if you have tens of BTC. I have a little amount myself and created a total of three copies of my seed words and I can only remember the hiding place of a single copy. I cannot remember where I kept the other two, must be somewhere in the pages of one of my books or under files of old papers. If this tiny box I'm living in right now will catch fire while I am away-- God forbid-- I will lose everything of it. And I also don't deem it safe to keep a copy in my wallet.
If my memory serves me right, I think even Andreas Antonopoulos himself ironically mentioned in an interview that he's got a copy of his seed words written on a piece of paper and kept in a bank's storage.