When I find an application that provides value for me and does its job extremely well I am willing to support it, even with a subscription
That said, the only ones I subscribe to are:
1Password does far more than just retrieve a password
- DropBox
- NordVPN
- 1Password
I have replaced all my passwords with generated passwords now and it was painless and secure
- Checks for reused passwords
- Shows when passwords were found in a security breach
- Shows when passwords are in a database of exposed passwords
- Saves 2 Factor Authentication codes
There are other good solutions, but I have used 1Password for years, and I don't begrudge the subscription for it at all
I can add one more indispensable item, shared Vaults. I love that I have multiple vaults that I can choose to share or not share passwords with other people. Video accounts, all family members have access. Bank account, only me and my wife. Personal website, only me. Heck, one time I had to send my son some tax documents. I create a new vault, copies the files to the vault and granted him access. No need for unsecure email or using a file sharing account.
I get that people don't like subscriptions, but for an application I use 20-50 times a day, this is worth it.
(And no Keychain is not a suitable replacement.)