Comment by bdavbdav
6 hours ago
I thought this was what happened. Clearly not :( That’s the idea with services like 1Password (which I suppose is ultimately doing the same thing) - you need both the key held on the device and the password.
I suppose this all falls apart when the PC unlock password is your MS account password, the MS account can reset the local password. In Mac OS / Linux, you reset the login password, you loose the keychain.
In case of 1password, I would think it would be challenging to do what you are saying, at least for shared password vaults.