I want to break this conversation up between business and personal use. There is a strong case for the use of password managers in a business situation where multiple people need to access certain accounts. There is audit-ability and a good professional grade password manager can do a lot to save time and actually boost security.
But if it is just you and only you and your stuff, then it is a totally different picture. First realize that you already have a password manager. It is you. Look in the mirror. There is your password manager. That password manager needs to have a system first and foremost before considering any third party solution. Whether it is a spreadsheet, notebook, or whatever, you need to have a system to record and save your passwords.
Once that is complete and you have a good system, you can begin to consider a third-party password manager to use in parallel to your system. It has to be in parallel in the case you lose access to the password manager account. But there are some very important things to consider. By saving all of your passwords with one business, you are giving them all the keys to your entire online life. Do you trust them? They may wax poetic about security and encryption, but at the end of the day you are trusting them, their employees, and whoever eventually buys that company with all of your passwords.
Needless to say we are not big fans of third-party password managers for individuals. There have been breaches and it seems just too risky. iCloud Keychain, which is built in to the macOS ecosystem, shares your passwords between your devices. It is secured behind your iCloud, but even with this we don't recommend saving bank, investment, or any other similar passwords.
There is no easy way to deal with passwords. You just have to cope with them and have a good system that works for you. The easier it is for you the easier it is for the bad guys to get in to your accounts. Passwords are frustrating and just something modern technology users have to accept. |