I understand your concerns, but none of them really affect me. I live in a country located in the center of a tectonic plate, which makes it very difficult for natural disasters to occur; for example, high-magnitude earthquakes have never happened here, and tsunamis have never occurred within the territory either—at most on the country's coast in 2004, but I don't live on the coast or in a flood-prone area. The reason I'm protecting myself regarding privacy issues isn't to hide from the government, but if it were, one of the things I'd worry about least would be keeping my passwords secure. What might happen is that I could lose the password file, but I already keep it on three different devices; if I lose two at the same time, I'd still have one with the file. In the end, both KeePass and Bitwarden have their issues; for instance, if Bitwarden's servers were attacked, the passwords in the cloud would be at risk (although I know they have some extra protections in case that happens).