All of my banks use a mobile app for confirming transactions, which requires me to login. Sometimes that requires reauth not just biometrics. I'm not going to go home and try and type a 20-30 character password into a phone when trying to pay for car parking.
It's not like I don't store in the cloud, since my database is in the cloud. Why would I store the keyfile next to the database?
When implemented correctly a password manager storing the database shouldn't have any information (keys) to decrypt the database. Only the user & the client knows this information, and it never leaves the client.
There is still the matter of authenticating to the password manager service to retrieve the database. There's a couple of ways to do it, but usually a strong password hash (least desirable and I think this is what LastPass uses) or a Password Authenticated Key Exchange (PAKE) in which the service keeps an authenticator to verify your password/credentials but the authenticator cannot be reversed or attacked to determine the password (similarly observing the PAKE transaction over the wire or MITMing it won't allow any attack to find the password).
Even if the authentication aspect fails and someone could download all the databases, the database should be protected with at minimum a slow password hash, so a dictionary attack should be very slow. I believe LastPass has stuffed this up in the past. On the other hand, 1Password took a proactive stance despite a hit to the UX by requiring a password + "secret key" which is I believe at least a 128-bit secret that's mixed together to come up with a high entropy password that is used to encrypt the database - so an attacker will have a hard time with any 1P database.
Put bluntly, as a 1P user I'm the least bit concerned that the database is stored in the cloud. I guess the only thing I have to worry about is a surreptitious version of 1Password being distributed to my machine which may capture/exfil my password & secret key. I guess not being open source is a net negative here. So I do place some trust and faith in AgileBits to protect their supply chain and software distribution. Their reputation depends on the security of the service after all.
It syncs via git and syncthing.
I think I've been using this longer than BitWarden gas existed and will be using it after something happens with BitWarden and triggers another migration.
Once again, a one-time learning and cost of setup has saved me countless headaches and time not spent migrating over the years.
I use password store (pass command-line utility) at its core it's GPG encrypted files in a local git repo, with a convenient command-line utility to manage them. It's cloud-free, runs on my local machine. If you need to sync, you can use git push/pull to do that.
I don't use it from mobile as I do very little on my phone that requires a password, but if you need that there are options:
I would be careful about judging the experience of all online password managers based on LastPass.