You can even store it in a password manager or your computer.

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Sure. But casual users don't use password managers, and if they do probably they don't have sufficient opsec and backup procedures in place.

A memorable (easy to transcribe and store as well) passphrase seems a good starting point.

Make a 24 word seed

Use the first 12 words as a decoy

Use the second 12 words as a decoy

Use the second 12 plus the first 12 as a 24 word decoy

Now you have three decoys using the vast ecosystem of 12/24 phrase storage tools and no one ever has to lose funds because wtf is a 25 word seed