Selfhosted
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that's like calling strong randomly generated passwords 1.5FA.
with proper MFA, even if you steal my password (database), you won't be able to steal my account, as you're missing the second factor. with classic otp this is just a single use number you enter on the potentially compromised system, but if you get the seed (secret) stolen, valid numbers can be generated continuously.
password managers (should) protect against reuse. MFA protects against logins on untrusted and potentially compromised systems/keyloggers if they're not extracted live. password managers with auto fill and phishing resistant MFA can prevent phising, although the password manager variant is still easily bypassed when the user isn't paying enough attention, as it's not even that uncommon for login domains to change. obviously there are also other risks on compromised devices, like session cookie exfiltration, and there is a lot of bullshit info around from websites, especially the ones harvesting phone numbers while claiming to require it for 2FA just to gaslight users.
That's a big leap you're doing there, equating stealing a password to stealing a password database. Those are very different. Stealing a password can be done through regular phishing, or a host of other methods that don't require targeted effort. Stealing a password database, if properly set up, is a lot harder than that. It depends of course on what password manager you're using, but it usually involves multiple factors itself. So equating that to just a password, no matter how strong and random, is just misleading.
Mind you, I agree that it's less secure than "proper" MFA, and I'm not saying that everybody should just use MFA through a PW manager. I am using physical security keys myself. But for a lot of regular people that otherwise just couldn't be bothered, it's absolutely a viable alternative that makes them a whole lot safer for comparatively little effort. Telling them they just shouldn't bother at all is just going to create more victims. There is no such thing as perfect security, and everyone has a different risk profile.