So what you’re saying is someone had better start working on a competing password manager today.
I'd switch from BitWarden to a native Apple solution the moment the Keychain UX reached parity with BitWarden, n=1.
Kinda reminds me of identity management / authentication. These also are features, right? But I feel a lot better about delegating that feature to a business whose core competency is that (eg. Okta, Google, …).
"Payment" also is a feature, but I'd never not use Stripe.
It is strictly for website address/passwords, so doesn't work for a more diverse robust security password manager.
And the sync is very flaky (when I create items within the setting application, they don't show up on my phone). And its multi steps to simply launch keychain since its not a true native app on MacOS nor iOS.
KeepassX and minikeepass on iOS are my go to for secure notes. I don’t see the need for super convenience with my credentials, I’m willing to do some work to access them.
Either way, I’m not handing over a database of login info to a SaaS company. Might make sense for large companies though.
Once the big horses are in the game, it's over. You cannot overcome the brute force of production and cash. Just look at dropbox impoding.
At least password managers are easy to switch.