FWIW. After using it at my previous workplace, I got a 1Password family account.

It’s got my (not particularly technical) wife using unique strong passwords for all her online accounts and made family password sharing easy. I think the convenience of the cloud is key to this.

I get that there’s a security risk that 1Password gets compromised and the app is infected with malware or there ends up being a vulnerability on their encryption scheme but it still feels like a net improvement to my overall online security.

Also MFA can help mitigate the risks of the passwords being compromised.