I feel like the people I interact with irl don’t even know how to boot from a USB. People here probably know how to do some form of coding or at least navigate a directory through the command line. Stg I would bet money on the average person not even being able to create a Lemmy account without assistance.
If you don’t host Bitwarden and use the extension, it pretty much is that easy out of the box. Some pages are ass and Bitwarden won’t detect a login form, but in my experience, 9/10 times it works fine. You can and should harden the security settings for it, but for most people, vanilla settings are better than their current solution.
Autofill is still an issue though. I can’t recall which settings are off by default but I found I need them a lot of times and so I always have to enable them and give accessibility permissions to Bitwarden, which sometimes it loses. It really annoys me and if it can annoy me it can’t be used by people who don’t want to deal with any tech that doesn’t work out of the box.