> If you open the keychain app on a Mac I've been using the Keychain app on the Mac for 20 years. > you can clearly see the existence of multiple keychains an

> If you open the keychain app on a Mac I've been using the Keychain app on the Mac for 20 years. > you can clearly see the existence of multiple keychains and one explicitly labeled iCloud There's no "iCloud" keychain if you don't use iCloud Keychain. There is a "Local Items" keychain. Let me emphasize LOCAL in the name. Unfortunately, what happens when iCloud Keychain is enabled (silently, without consent in my case), "Local Items" becomes "iCloud". macOS stores a lot of things in the Local Items keychain, including Safari web form passwords, which is why mine got silently uploaded to iCloud.