I don't disagree fully. I'm all for personal responsibility. But it's largely a failure of the technology of passwords. You want me to remember 30 different passwords. That's a non start.

So put all my eggs into a password manager basket. But I've been scared off those because I read that some are crap or Chinese or other scary things. And it fundamentally feels insane to give everything to one app on my phone. You haven't convinced this old bag of coal that's a good idea to do.

So now I'm backed into what I perceive as a "smug young tech people corner" where I feel damned no matter what I do because clearly I need to be tech savvy but you insist I don't need to be, that this is just a baseline intelligence kind of problem.

That whole story is a complete failure of technology, not the user.