Even easier: What if someone beats you with a stick until you unlock your password manager?

Security is always a compromise around a lot of assumptions about threat model, usability, etc.

Nudges are a great way to increase overall user security with almost no drawbacks, but ofc ultimately things like this always have to be user choice.

All my high security accounts themselves are protected by 2FA and in some cases 2+ factors (such as my bank).

2FA on a password manager is useless. I'm going to end up entering phone codes multiple times for a single login and that will drive me away from using the password manager.

2FA for setup doesn't strike me as too onerous. It only happens once per device, after which you're free to rely on just your master password or even biometrics.