Passwords of 128 Digits

DoD, banks, casinos, you, and grandma create a 128 digit passwords that can even be public. Grandma (worst case scenario) types in "Eddie likes pecan pie" and "Pop plays softball." The two phrases do not get stored nor the two large primes they generate. The factoring creates the 128 digit semi-prime composite. Instead of this nonsense of typing in 11 digit passwords to open up a machine, grandma types in the two phrases and only she can unlock the huge password ( a one way trapdoor function). Why are we not doing it? Only a key-logger watching you as you type in the phrases can break this; otherwise, the time factor requires NSA Crays. Our passwords should be used and the factors small and private.