“Save in an encrypted file”? Christ. We really need to draw a HUGE line between “hacker news user solutions” and “things that are practical for actual people to do”.
I agree, that there is no obvious solution by just enabling a setting...
But no matter what tool you use for it, that is what needs to be done. It is quite simple for example if you use Macpass or Cryptomator on a Mac.
Most people have a file encryption program of some kind on their computers. WinRAR, 7-Zip, some versions of Microsoft Windows (note: not supported in Windows 10 Home), Microsoft Word…