On 24/04/2017 13:37, David wrote:
is there any
reason not to use a flat file (or simple spreadsheet)

Excel protected spreadsheets can be compromised, however one can make it
more difficult to view the information. Just some suggestions.

column A list account
column B list password
colums A reverse the list
column B reverse the passwords.
Space everything with a blank row in between
In the blank row put false information
Using conditional formatting linked to the `real` info have a cell that
requires the correct code to hide/reveal the correct info.
Hide the code cell behind an image

And various other things can be done to frustrate an illegal intruder.