The threat model is "frenemy" types using her PC while she's logged in. She has to stay with them sometimes and wants them able to use it (they often ask). So a password manager would not work, as it would let the frenemy use any account.
The lady involved also wants to be able to tell them, honestly, "I don't know any passwords, my tech set it all up, use the machine without using my online accounts."
So basically she wants to let others use her machine but NOT her online accounts.
The issue is not 2FA either, really it's just completely offloading the login data to a physical carry device and somehow automating it.
Merci!