How does the secret jump from the PC to their phone? How do they know each other? ...does the answer involve going all-in on Apple forever?
iCloud Keychain (or whatever the Google equivalent is). And as I said, it's a fantastic solution for the vast majority of the population (which, coincidentally, are also not Hacker News readers).
Your credential manager provides this sync and backup capability. There are dozens of credential managers available that work on all platforms. You don't have to use the default one on any given platform.
Bitwarden is my personal choice.