And with lifetime pricing I don't like the idea of just keeping that money if someone churns. Maybe I'm just not enough of a hardened business person haha.

In your case with Bitwarden you're sharing access to your credentials and such with your wife right now, today, right?

With Passbox I'm looking to defer that access for data that makes sense. In my case I'm currently single and no one else has access to my iPhone but if I passed then maybe my mom or best friend should have that - as a hypothetical.