That kind of government is called Democracy.
Democracy (from the late Latin democratĭa, and this from the Greek δημοκρατία dēmokratía) is a form of social organization that attributes the ownership of power to the whole of citizenship. Strictly speaking, democracy is a form of State organization in which collective decisions are adopted by the people through mechanisms of direct or indirect participation that confer legitimacy on their representatives. In a broad sense, democracy is a form of social coexistence in which members are free and equal and social relations are established according to contractual mechanisms.
They could get in a car crash, kill themselves or hurt some on else
I believe the answer is: Use multiple password
These days, many hackers have develop a software to extracting our password by trying the potential combinations through algorithm.
Using multiple passwords would substantially extend the time needed for the software to finish since it need to tried huge amount of combination.