It is not always ignorance, etc. If you save in text format, this file can be opened on any device anywhere and read. And if you want to encrypt — it was not there. Line managers are offered today are evil. What's that, and your passwords are not bookmarks, they're not supposed to see no one but you and systems to be controlled by you.
Here is the way Mozilla opened source code of your server sync browser pieces, including passwords. Put it on your server and you're done.