That is true for online password managers, you need an offline one

Take off your tinfoil hat man. The entire us healthcare system is the profitable cancer, not the illnesses

Open source software in general is getting incredibly complex. While big companies mopolized the software industry at the end of the century, now the most widely used technologies are completely open source (kvm, linux, docker, apache, ssh, c++, rust), which means that everyone has access to it and can use it for personal or light commercial use without too much cost and hassle. Sure, companies still monopolize, but only because they offer hardware and services at a big scale, if you want to have an indipendent space on the internet, this would be the perfect time