I think a lot of people would consider it a _feature_ if they could simply ask their computer “what was my banking password?” and not understand at all the difference between storing credentials in Recall vs storing them in LastPass.
For me the killer compromise is that 3 months isn’t _nearly_ long enough. This wouldn’t be useful to me until the history extends to more than a decade. I don’t always need that, but for anything less than that I very rarely need the help—it’s at most a convenience, not a new capability.