I think for most moderately-technically-inclined people, a decent password manager is going to be much more secure (and in many cases, more convenient). If you

I think for most moderately-technically-inclined people, a decent password manager is going to be much more secure (and in many cases, more convenient). If you steal my credit card, I'll just call my bank and cancel it (and I'm not liable for any charges you made, anyway). But if you break into my email (or even something like my Facebook, which might have weaker security), it might be really hard to recover from that.