You say, "it's not much more difficult to crack two passwords than one" but I don't see how that is the case if the second password is four words chosen at random from a dictionary of say 5000 words. Such a password is far more difficult to crack than the average password chosen by the average user. Having a second passphrase generated by a computer also eliminates the problem of users re-using the same password between sites, or choosing "letmein" or "password1" as a password.