Because without that the argument of "everyone has a password manager" fails. Tons of people don't have 1Password or Bitwarden or Lastpass or KeypassXC or whatever.

So sure, they might technically have a password manager installed, in that every major browser has a password manager included. But do they actually use it? That's what really matters.

Yeah, this is why. "in-browser" was unclear when I also meant the iOS ecosystem password manager and stuff.