It's a shame that the free/cheap password managers that regular people would use (like those by Apple, Google) seem unwilling to loosen their platform lock-in, and others like 1Password mainly target business use and are too expensive for the average joe to bother. So decades and dozens of new auth standards later we are still in a place where people use the same password on all accounts and write it down on post-its.

The industry has collectively spent untold billions/trillions on cybersecurity over the years, while the best way to actually secure access would be to have a free, preinstalled, interoperable password manager that "just works".