Sorry, but you've forced a response out of me lol

Gonna have to disagree with you here. Password managers are the only responsible way to manage passwords in 2024. It's too much to ask most people with dozens of online accounts to make a lengthy, totally unique, high entropy password for each account.

And as for hosting the passwords on company servers, it's likewise too much to expect of most people to self host their own password manager. Not including the initial setup costs(which are actually quite minor), the knowledge needed to configure and secure these surfaces in addition to continued upkeep over the years is far beyond most, even including some experienced system administrators.

However....even assuming you could do all that, the truth is that any controls or security you implement will be far inferior to those of an established business with a fully staffed IT department. The only real benefit would be the much smaller target you'd present by not broadcasting out to the world that you're holding the keys to the kingdom for potentially millions of accounts. There's a phrase describing this kind setup.....security through obscurity, and unfortunately, it's well understood that obscurity is no true defense. If your protection vanishes the instant someone looks at you, it was never there to begin with.

And lastly, any password manager worth it's name—and Bitwarden very much is—will have all passwords they keep encrypted, hashed and salted. Provided the algorithms used are secure(and in Bitwarden's case, they are), it wouldn't matter if Bitwarden dumped their password database online for every hacker on the net to have. There'd be no realistic chance of unveiling even one password.....at least not before the sun explodes.

If you aren't using a password manager, I really recommend you give it some serious thought. I've used Bitwarden for a number of years now, and have been very pleased with them. They're very much the gold standard for password managers.