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Why did I say this Because my master passphrases are backed up on physical paper now , in addition to encrypted USB

Passwords are not secure. Use security keys (physical) and a password manager and forget everything

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Security keys like yubikeys donโ€™t even allow reads. No malware can steal info from them. Apps basically โ€œaskโ€ them to authenticate you and respond โ€œya this one is goodโ€, and nothing else

Without passphrases or digital keys lying around, you canโ€™t be a victim of majority of digital cyberattacks. They have to physically infiltrate you, at which point you have worse things to worry about I guess