Password managers solved storage. They did not solve the household question, which is not "where is this password" but "who should be able to get to this, under what circumstances, and how would we change that".
Three tiers, not one vault
Some things are genuinely shared and always should be: the streaming account, the utility login, the wifi. Some are individual and should stay that way: personal email, medical records. And some are individual now but must be reachable in an emergency: the bank, the insurance, the mortgage.
Most households run all three through one of two failure modes — everything shared, or everything siloed. Both are wrong for at least one tier.
Revocation is the part people skip
Access granted is easy. Access removed is the thing nobody tests. Relationships change, roommates leave, kids grow up. If you cannot cleanly revoke, you did not really design the sharing — you just handed out copies, and copies do not come back.