The same massive flaw exists with your offline password manager. The gambit of this argument is that you (or more generally the public) are more capable of prop

The same massive flaw exists with your offline password manager. The gambit of this argument is that you (or more generally the public) are more capable of properly securing and storing secrets, instead of a company of experts hired to create, configure, update and audit a service to do so. That's a call each person can make for themselves, but if I'm advising the normals on how to handle it, there's little doubt which direction I'm pointing.