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RE: Passwords are a Problem!
Steemit.chat has a separate account system. It's not related to Steemit.com except that it is linked from this website (it's not run by Steemit Inc either).
DTube only allows you to use your posting key, not your master password. This is to help prevent you from leaking your master password by accident.
I don't know what Grammarly is, never heard of it.