Practical security is the balance of security against convenience.
Being ignorant of convenience required and capability available of the target audience isn't going to help anyone.
Don't let perfect be the enemy of good.
A 3rd party password wallet from one of the majors is vastly more secure than someone's nan using the same password for everything. Which is the alternative in practice.
You seem to think that normal people are going to learn IT security to a reasonable degree, and be personally responsible.
Many people literally aren't capable of being what you want them to be.
Yours is a beautiful dream that clashes strongly with observable reality.
Observable reality today, right now, is trash cybersecurity everywhere.
If people don't learn -- and maybe they won't, then, the only real solution is actual liability. These companies promise safety and don't deliver; time to sue or regulate or both.
But we need to stop pretending that "third-party," in all its present crappiness, is an acceptable option, even if sometimes it's better than what people do on their own.
Being ignorant of convenience required and capability available of the target audience isn't going to help anyone.
Don't let perfect be the enemy of good.
A 3rd party password wallet from one of the majors is vastly more secure than someone's nan using the same password for everything. Which is the alternative in practice.
You seem to think that normal people are going to learn IT security to a reasonable degree, and be personally responsible.
Many people literally aren't capable of being what you want them to be.
Yours is a beautiful dream that clashes strongly with observable reality.