Stop using “the cloud” to store your passwords. Unless you control said cloud, you have to trust someone to not fuck up their security that you now depend on. Everyone eventually does.

The difference is also, that someone who’s job is storing other people’s passwords is by definition a target. So is the fuck up, someone will notice. If you host those yourself, or you rent a place where you can host them for yourself, that is just one person’s server. The interest and possible gain for someone gaining access is so small, it’s even unlikely. So when you inevitably fuck it up, the chances someone notices before you do are relatively small.