this post was submitted on 19 Jun 2023
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But then you have the same centralization issue - and it's even worse, if the central authority has a fit for some reason about you, now you're locked out of many completely unrelated sites.
You mean the password manager as the central authority? You can self host a password manager using, eg, Vaultwarden.
Even if you use a trusted, paid commercial service, I think the risk of that happening is lower than on Reddit. Their business model is simpler and more transparent. They want to keep you as a customer so you will keep paying them. And there is less opportunity for them to ban you for political reasons when you're not expressing yourself on their platform.