In my experience preaching this same thing to many users at work and just personal friends, they won’t change their ways. Because “omg not another password to remember” and “that’s too much work to login just to get a password”.
I’ve just stopped trying to educate people at this point. That’s on them when their info gets leaked or accounts drained.
Every year at Christmas my grandparent in law asks me to fix her iPhone. Something with iCloud account. The answer is always the same: Apple store.