I have about 300 logins and my memory ain't so good after too many hits to the ol' noodle. You don't expect me to remember all of those without a password manager? I'm much more worried about the SPOF inside my skull.
Oh, yeah well that makes sense. I only have to remember something like 20. SaaS is bad and you shouldn't use it but I guess if you have to then them's the brakes kid.