The equivalence with the car keys is completely solid since both are meatspace attacks. I never said that writing your password down is a bigger risk than hacks over the internet or social engineering, so I don’t know why you’re trying to correct me on that.

All I will say is that meatspace password theft is a genuine concern. Just because you know someone doesn’t mean you grant them all access. And they have housekeepers routinely in the home who are authorized to be there but could totally thieve the info and misuse it.