This one is easy: First of all, 'real' people do not use password managers, and they feel a slight suspicion towards the browser 'remember password' dialog so

This one is easy: First of all, 'real' people do not use password managers, and they feel a slight suspicion towards the browser 'remember password' dialog so rhey decline. They also have some boomer uncle that told them 'never to write down passwords' for the days where people post-it them to the monitor in shared office spaces. They also know 'not to reuse passwords' because if one site gets powned your password for everything is out there. So they develop a heuristic for mutating their 'master' password depending on the site or app, only to get thwarted by insane (not an exaggeration) password requirement rules. So they have to deviate from their heuristic, and will not remember the password they had to make up on the spot next time around, so a reset password email it is. Bonus: they make up a new password, omly to be informed they can not reuse a previously used password. XD