Does this account for the fact that it's a username password combo that makes it compromised? Just because [email protected] used hunter2 as his password and got it leaked doesn't mean my credentials are at risk even if i used the same password.
I guess even then we're meant to be using random strings etc but that's pretty difficult when most people on the internet are old enough to remember when password managers that automatically generated secure passwords weren't a thing. When you're told to never write down a password and had to remember it manually you just created a universal password that you'd jam into everything else.