> I would say that proper password manager is the best investment you can do from any app.

My bed is the best investment in the sense that I spend 1/3 of my life there. That doesn't mean it would be a good idea to pay 1/3 of my income towards a bed and mattress subscription.

Healthy competition from many suppliers means that I can buy a bed for a one-time, materials cost + profit margin price instead of purely value-based pricing, and spend the surplus elsewhere.