So, the requirement is a system to store all your keys and that it can be duplicated as many times you wish. It looks like a local password manager, let's say keepass. I use it and have copies of the encrypted db on every device of mine, plus the client to access the passwords. I don't know if it qualifies for dumbness but it feels pretty robust. It survived the fall into the lake test (a river in my case.)
But I see every customer of mine using web based password managers, because they want to share and update passwords with all their team. Of course those password managers can use E2E encryption and many do, but my instinct is that if you are using somebody's else service for your data, you can be locked out from your data.
Anyway, it's the concept of having many passwords and having to manage them that's not dumb enough. The most that people do is letting the browser store and complete passwords. The password can be the same 1234pass on every single site.
Web-based password manager user here! It's worth noting that Bitwarden and 1Password (probably all the others too) let you export all of your data into an encrypted archive, so anyone who does this periodically won't be "locked out".
(Naturally, this requires extra effort on the users' part, so who knows how many are actually using this ability.)
But I see every customer of mine using web based password managers, because they want to share and update passwords with all their team. Of course those password managers can use E2E encryption and many do, but my instinct is that if you are using somebody's else service for your data, you can be locked out from your data.
Anyway, it's the concept of having many passwords and having to manage them that's not dumb enough. The most that people do is letting the browser store and complete passwords. The password can be the same 1234pass on every single site.