To those who are advocating storing the passwords in your head, what happens if a bus hits you and your partner has no idea about the passwords? You want to sha

To those who are advocating storing the passwords in your head, what happens if a bus hits you and your partner has no idea about the passwords? You want to share the algorithm with them? What if they can't remember the algorithm/make a mistake? I would wager that keeping the secure database on cloud and/or a usb key along with master password in a bank safe deposit locker is a much safer way to pass the details to them.