Everyone's reacting like this will be a free value-added service Apple will be providing, but I'm not reading anything that says it will be. I certainly hope it will be and good enough for me to replace 1Password (still using 1P7 on a one-time paid license and refuse to do a sub), but it's no secret that Apple is constantly looking for more revenue avenues. Other services like Apple Music, TV, News, etc are all subscription based, with some free content. I guarantee you that if it is cross-platform, then a sub will be required. There is simply no incentive for them to do this and make it free for the whole world outside their customer base.