I subscribe to 1Password and I'm okay with it. It's $2.99/month billed annually for a personal account. I can afford $36/year for a password management system that works across my Mac, Windows, iOS, and Android devices.
I do prefer buying a lifetime license if I could, and I miss the ability to sync to a local vault that I could put on Dropbox, but I can deal.
One reason I don't trust Keychain is because everybody has it, which makes it an easy target. A few years ago I upgraded the video converter app 'Handbrake' on my Mac and ran it, and it asked for my admin password so that it could install some codecs. Guess what? The Handbrake download server had been compromised, the version of Handbrake I downloaded was a trojan, and when it asked for my admin password it then sent that along with a copy of my keychain files to a remote server. The hackers would then be able to use my admin password to decrypt my keychain. Fortunately at that point I was already using 1Password for all my password data, so the keychain had nothing useful in it. (The trojan also sent my 1Password vault files to the hackers, but these were useless as they didn't get my 1Password vault password, and 1Password let me easily see all of my online accounts so that I could immediately go start changing passwords just in case.)