Glad that method works out for you. Fortunately for the rest of the world, technology has progressed far enough that Password Storage is a solved problem.

I think it's very typical to think of HN users to think of the average person as tech-savvy enough to do what you're doing, but they aren't. People are fallible, people forget things, people lose things. Some people would rather entrust a reputable service to handle the very menial task of managing their passwords for them, rather than go through the hassle of doing it themselves.

Not only do these services provide better convenience, they make you more secure! Many people reuse the same password, so when a site gets "owned", any site using that same password is now compromised as well. Some of these services will even automatically tell you when a site gets "owned" and offer to change that password for you retroactively.

Now, if you want to go ahead and use a local only method, be my guest. But please, don't ever suggest to anyone else that they should do the same, that's just bad security advice! By the way, getting hacked in the password manager does not mean all your passwords leaked. It just means some extra metadata about you may get discovered, which I'd argue is a reasonable trade-off.