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> My password manager app might be bought out and exfiltrate all my credentials

This is less likely if you use Apple Keychain for your passwords. lock-in intensifies

Apple Keychain requires iCloud. Most of iCloud is not end to end encrypted.

But the keychain is, of course.

My point is that if you care about e2e crypto and privacy, you already have iCloud turned off in full, including the e2e bits, because it's a privacy minefield.

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