> Pretty much everyone is using a password management service

In the US, only about 34 to 36% of adults use a password manager. Of the ~64% that don't, an alarming 20% reuse the same password across almost every service, and a ton just rely on browser autofill.

If you use a password manager, you are in the minority. Hell, even if you don't use a PW manager and you at least use a different password for different services, you are ahead of most people.

The general population is largely computer illiterate, and have a staggering lack of basic security hygiene.