Is it really that unsafe to store passwords in a text file on my computer?


These days, we have pretty secure systems.
I have a mac with T2 security chip and the whole disk is encrypted via FileVault.
iPhones are known to be pretty secure, with even FBI having a hard time breaking in.
Windows machines can be encrypted with BitLocker or VeraCrypt.
With these kinds of systems, is it really that unsafe to store passwords in a text file? for an average individual user?
Of course if I’m operating a server or anything like that, I would definitely need better security. But I was wondering how much security does and average individual user really need?