Let's take a real example: a friend is reusing the same stupid & insecure password everywhere, tweaks it with random numbers and letters to pass password strength requirements and of course forgets it minutes later, so she has to go through the password recovery flow every single time.

1Password is ~30$ a year, and yet there's no way to convince her of paying for it. This is a person that's employed full time and that otherwise spends unreasonable amounts of money on hoarding clothing she's not even wearing so it's not like money is an issue.