> If they're worse value than my... password providers... who only charge me $5/mo

In that case, people who run Bitwarden for free are screwed. In fact, looking at how much I use the web browser Chrome, and how much I get out of that, and the fact that I pay $0 to Google to use it (inb4 I'm the product because I'm not paying for it), paying money for anything digital is terrible value!

What you've discovered is that prices are all made up. If we think about how to price a product, say a chair, from first principles, you'd take the cost of the raw materials, the time it takes you to turn those raw materials into the finished product, add a %age profit on top, and call it a day. In the real world though, that's not how pricing things works. You have a product, which costs $X in raw materials, and then you just... make up a number, $Y. Hopefully, $Y is much greater than $X, and you're able to make a great living off selling your chairs. Maybe you're called Eames and people will pay you $5,500 for your chair/lounger, maybe you're Office Depot and sell them for $129. Maybe you're not very good at chairs, so they're not level and then you can't give them away, not even to your friends.

Life is not an optimization problem. You can optimize for value, but then you'll find yourself in Walmart at 1am realizing that the 3-pack is cheaper per-roll than the 30-pack that night for some reason, and getting angry over that.