It's not that hard to enable 2fa & force password manager usage. And it's not that hard to use it. In fact a pw manager alone is much more convenient than remembering passwords. The only people I know who "can't remember their passwords and are locked out" are people who don't use the pw manager and have dogs*it passwords with tiny variants they forget. They often need multiple attempts to log in anywhere. Yeah 2fa & pw manager is a tick more complicated but it's not like it take hours, it takes minutes per day. And you protect against stuff like this. No sympathy, sorry.