I think it’s more of a last line of defence in case your password manager gets compromised. Especially if your pw manager also handles your TOPTs. But if your

I think it’s more of a last line of defence in case your password manager gets compromised. Especially if your pw manager also handles your TOPTs. But if your pw manager gets compromised then that’s a pretty big problem so probably best to focus efforts on that not happening. It could make sense for sensitive accounts like email, valuable social media etc