How do we handle when less technical folk get their common passwords tabled but can't "figure out" modern password managers? The major thing being 2auth. But ph

How do we handle when less technical folk get their common passwords tabled but can't "figure out" modern password managers? The major thing being 2auth. But phones are not trustworthy, they break. Yubikeys are easily lost and expensive. I can't go to my grandma, hand them that setup, and have them use it. Plus the cost of LastPass and 1password are far too high. I prefer bitwarden for it's yearly cost.