iCloud Keychain (or whatever the Google equivalent is). And as I said, it's a fantastic solution for the vast majority of the population (which, coincidentally, are also not Hacker News readers).

Can you keep access if they decide to shut you down?

https://news.ycombinator.com/item?id=46252114 https://news.ycombinator.com/item?id=42350245

They closed my PayPal account for TOS violation after donating to The OpenBSD Foundation. I wouldn't trust them as far as I could throw them.