> most families/individuals just don't give a fuck about security nearly enough to pay a monthly fee for a password manager
It's more than that, most families that do care about security don't need features beyond what is built into iOS/Android. When I encouraged my wife to start using randomized passwords, I didn't even have to help her get set up. She already knew how to use Apple's password manager, so she just started using it. No setup, no additional monthly fee, just a quick decision to start using it.
When we need to share a password, we just read it off to each other and put it in our respective password managers. There aren't really any features in a paid password manager that we miss.
It's more than that, most families that do care about security don't need features beyond what is built into iOS/Android. When I encouraged my wife to start using randomized passwords, I didn't even have to help her get set up. She already knew how to use Apple's password manager, so she just started using it. No setup, no additional monthly fee, just a quick decision to start using it.
When we need to share a password, we just read it off to each other and put it in our respective password managers. There aren't really any features in a paid password manager that we miss.