Earlier quoted context omitted.
To give an example harm caused by the TPM / disk encryption feature in the consumer space: A recently-deceased friend's wife contacted me about getting personal data off from her late husband's computers. I ended up being able to get nothing for her. My friend, no doubt influenced by dementia and paranoia he was feeling, changed the passwords, made no note of them, and subsequently died. The computers in question run…
This is similar to why enabling 2FA actually scared the heck out of me! I use a password manager to generate strong unique passwords, so I think the chances of someone getting in that way are incredibly low. But I can absolutely see myself loosing all of my 2FA keys some day in a freak accident.
It kind of defeats the purpose of the second factor -- the password manager becomes it -- but at least it makes the services that insist on it happy.