For me it’s the paranoia surrounding webcams. People outright refuse to own one and I understand, until they go on and on about how they’re being spied. Here’s the secret - unplug the damn thing when you think you won’t use it or haven’t used it in a while.
They, whoever it is, can’t really spy on you on something that’s already off and unplugged!
Any good password manager nowadays also has an account takeover feature if you opt in. Basically your spouse / child / parent can take over your account to recover it for you if you can’t get in.
I had to save my wife’s account before on 1password family. It worked nicely!