Until security forces the password manager session to expire after 1 hour, and forces the master password to be 16 char long with a combination of lower, upper, digit, punctuation, moon phase, astrological sign. And then they force you to change it every 2 months, and you can't reuse it until the next time Halley's comet is in the solar system.
You're missing the systemic problem the parent is talking about.