You laugh but it is often much easier for people to understand physical security especially for older people. They can get a small notebook and then guard it.

If your home threat model involves people breaking in and having physical access to your personal computer, then you have bigger problems than them getting your passwords. There's really no reason you can't just write them down.

It sounds like you have this sorted now, but I will share my tip anyway.

My master password was a randomly generated pass phrase of a few words, such as what you can generate with Bitwarden's password generator set to "passphrase"

Using an example I've just generated with that tool, if I had decided on a master password of "Daily-Exorcist-Nappy-Cornmeal", then I would generate a few more passwords and write those down too. So I'd have a list that might look like this:

snowman

daily

uncanny

backer

exorcist

thinner

showoff

nappy

cornmeal

nifty

(I have bolded the words belonging to the actual master password from my example above, but obviously that's not how it'd be written down. To remember that the passphrase has the words separated by hyphens, you could draw dashed lines around the list, like a decorative border. Here, I have also written words all in lowercase, even though the password has uppercase. (Though I would advise keeping the passphrase in the correct order, as I have in this example, because it's easy to pick out the correct four words from a list like this, but harder to remember the right order for them).

I don't have a safe either, but writing things down like this felt like a sufficient level of security against snooping family and the like. Though like I say, it seems like you've resolved this differently, so this is more for others who may stumble across this than for you.

I agree with you that the emergency access feature is great. A couple of years ago, my best friend died and I ended up being a sort of "digital steward" of all his stuff, because I was his tech guy and he had shitty passwords that I couldn't convince him to change. In the end, his laziness meant we got to preserve some digital mementos that would otherwise be lost (such as his favourite decks on Magic:Arena). At the time, I was using a personal system to generate and remember passwords, and I was shaken to consider how much would be lost if I died. I feel far more at ease now with the Emergency Access feature from Bitwarden Premium (I also like being able to use Bitwarden for 2FA codes). I'm sorry that you had the unfortunate experience of being locked out of your stuff, but I'm glad you were able to secure yourself such that you're protected from that in future.

I just keep my master password written on a piece of paper tucked into my wallet.