I agree that software and services (in general) have gotten rediculously dumbed-down in recent years.
For example, I once had a Google Gmail email account. Even though Bitwarden stored my username and password, Google wouldn’t let me log in to my own account because my “password could have been compromised”. Really? That’s my problem, not theirs. It’s the whole point of a password: create it with sufficient entropy and keep it secret or understand that your account is no longer private.
But no… Google wouldn’t let me into my own Gmail account with my own password even after talking with their support multiple times and writing to their executives. I’ve never had a Google account since then, and I likely never will.
Give account owners maximum power, and let us be responsible for our actions.