It's helpful to take a few steps back from time to time to reassess where we're each coming from on our knowledge of tech (or anything) to better communicate.
idk man, I know a password manager would make things easier and more secure, but it's still putting all your eggs in one basket. If the service I gave all my passwords to has a leak or gets hacked - I'm fucked. And I don't trust them to keep all my passwords locally and not peak in.
I'd rather a couple of my accounts I've long since forgotten about be broken into than for my entire digital life to be uprooted.
I have multiple passwords for the levels of security I want, bank is the most difficult, e-mail is close second, then we have mid tier passwords for things I care about personally but wouldn't really have big consequences if lost, and then the password I personally saw leaked on a russian hacker forum that I use when a webstie insists I need an account to be graced with their service lmao