The main advantages of dynamical passwords over passwords in encrypted files are:
-they are not based on encryption algorithms, therefore they are ready for the era of quantum computers;
-passwords are not stored in any place, therefore they can not be hacked, broken, stolen, damaged, confiscated, etc.;
-users do not need master passwords to manage their other passwords;
-users do not need to install, synchronize, update, etc. any software;
-users can convert a weak password into 100 strong passwords;
-users can access private DPGs from any device connected to internet via a web browser;
-simplification of management of multiple passwords for multiple accounts;
-simplification of changes of multiple passwords to multiple accounts;
-each user gets a unique private dynamical passwords generator (DPG), which generates unique set of passwords for each user.

With dynamical passwords any person/business/organization can decrease costs on cyber security in preparation for the coming recession, but at the same time to increase cyber security via reducing risks of passwords to be hacked.