[yonatan8070]

If a user keeps their credentials in a notebook and it got stolen, the TOTP check can be the difference between the attacker getting in, and the user being notified and changing their password

[yardstick]

Unfortunately these days it’s even easier with password managers containing all three (user, pass, token)

[ThePowerOfFuet]

The difference being the notebook is paper and easily read, while the password manager is... quite a bit harder.

[yonatan8070]

I want to believe users who use a password manager are also technically literate enough to secure it properly

[Avicebron]

Me too, but my day job means I handle a bit of secops, password managers are rolled out as security tools to users operating in enterprises where things like mandating people don't keep their passwords on a sticky note on their monitor is usually step one...