One will save your passwords behind a master password (don't forget it!), allowing you to use secure LONG passwords with alphanumerics, without the usual posit-notes all over the place.
If you manage to forget the master password, apps that I have used *do* allow you to export the password data to a file. Just hide the file on a memory card (or printout) that you can lock up.
I am currently using Samurai Safe on Mac and iOS. It's free. I dropped the other app when they (wouldn't you know it) went to a subscription model. 
There are others, of course.
This doesn't answer your "email account" post.
I use a Comcast address in addition to iCloud.
Every Comcast account owner gets to create 6 of them, last time I checked, and you must know someone who uses Comcast.
Using an email address as primary ID is dumb. But big companies often do dumb things.
https://ntietz.com/blog/email-address-not-identifier/
Email addresses are not primary user identities
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