Personal disaster as well.

If something happens to me and I am incapacitated, or worse, my wife or my brother can request access to my vault and without any action in my side for a week they will have access to my vault. (Emergency access feature in bitwarden)

So it does not add the stress of needing to call ALL the utility companies, bank, school ... To reset passwords or request emergency access.

I saw that first hand with my brother in law who had an accident and went into a coma. We were lucky that his computer wasn't locked and all his password accessible on it.