However, I do blame them for not using a password manager

Managing the passwords in your password manager becomes a job in and of itself when you've got enough of them floating around. My office is on year two of trying to do automatic password rotation for the myriad of service accounts in our systems. Anything that's not Active Directory integrates is a headache. And even the ones that are have to constantly stay ahead of the Microsoft Updates curve or run into security problems of all sorts.

It would be cool if everything could be SSO, but you need to have a certain amount of faith in your OS to accomplish that.