I agree with you wholeheartedly. Unfortunately, there will always be a few services that will store passwords in plain text.

Would unique email addresses for each service have helped your situation at all?

For example:

Facebook email: uniqueemail1@gmail.com (forwards to your real email) Facebook password: password1

Hover email: uniqueemail2@gmail.com (forwards to your real email) Hover password: password1

Bank email: uniqueemail3@gmail.com (forwards to your real email) Bank password: password1

If any of those services get hacked (and the passwords are stored in plain text) then there's nothing connecting those accounts to each other since the email addresses are all different.

It's the system I use (along with 3 tiers of passwords not just 'password1' as used in the above example).