Most people have absolutely atrocious online security. Do you use the same password, or a variation of the same password, for most of your accounts? Chances are, one site or another will be compromised eventually and your all-in security bet will burn in flames along with your personal information. Dont be that guy, get LastPass or another password manager. Youll be very happy with what it has to offer, especially on non-Apple devices. Use multifactor authentication if youre not a pleb.
Oh and if $1 a month for this incredibly valuable service is too much for you, you need to get your priorities straight. These people have built a great thing, put a lot of time into it, and they deserve money for it. The alternative is in-app advertising, which I hope everybody recognizes is a terrible idea for an app like this.