> Never, ever, use a cloud password manager, that's just dumb. Combining these things together in some sort of master account -- be it Google, Apple, Microsoft

> Never, ever, use a cloud password manager, that's just dumb. Combining these things together in some sort of master account -- be it Google, Apple, Microsoft -- is also terrible. It's like leaving all of your savings accounts, checking, and investments at a single bank. Do people actually downvote this? Seriously???