A shared password can turn convenience into responsibility nobody clearly owns.

Anything shared without a named owner tends to be looked after by nobody. A password passed between four people is convenient on the day and vague forever afterwards: who changes it, who notices when it leaks, who is answerable if something goes wrong. Diffused responsibility is comfortable precisely because it lets everyone assume someone else is holding the thread.

Where you share access with others, say out loud who is responsible for it and write that down somewhere ordinary. It takes a minute and it removes an argument that would otherwise happen at the worst possible time.