I think most european countries call it VAT, but it is same kind of tax https://en.wikipedia.org/wiki/Value-added_tax

And yes. Most european countries do have VAT, but the exact percentage value differ between countries and types of goods.

I use an offline password manager, and sync an encrypted database with nextcloud. It’s convenient enough, and secure enough for me. Easy to sync between my phone, desktop, and laptop. And I only need to remember two passwords, the nextcloud one, and the manager one. I don’t think you can have it more secure and convenient all the same, at least not with current tech.