While this seems organized, it creates a "skeleton key" for your entire digital life. If a hacker finds this one file, they don't just have one account; they have the map to your bank, your email, and your social media. Better Alternatives for Credential Management
Storing login credentials in a basic text file is like leaving your house keys in the front door lock. Text files (.txt) are unencrypted and easily readable by anyone—or any software—that gains access to your device. Url.Login.Password.txt
Unlike dedicated password managers, .txt files have no layers of protection. While this seems organized, it creates a "skeleton