On the flip side, you can also have threads where people hold different conversations, but it becomes impossible to read, because you don’t get the reply-tree structure like we have here.

Then again with reply trees you cannot easily see, which tree has the latest answer and if things are generally active or not.

Different formats for different focuses.

Yeah it can. But then they have only my passwords. If they steal a database from a large identity provider, they have millions if not hundreds of millions of passwords. For monetarily motivated crime, my password manager is not a realistic target.

Yeah, also if the one login gets compromised, oh boy…

Anecdote time. My first e-mail account got hacked. I still had my Steam account attached to it. Now i have a VAC Ban in CS2 because some chinese kid used it for hacking ingame.