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4

No, you should not use a password directly as an HMAC key. However, it is fine to use HMAC as part of a key derivation function, which generates keys from a password. However, do not mistake the output as naturally having higher entropy than whatever you put in. "password" has essentially 0-bits of entropy, and running it through a KDF will not magically ...


3

In the context of most Password Managers that use encryption, you will generate a Master Data Encryption Key (MDEK) which will serve to encrypt all the passwords and the user's password would be the Key Encrypting Key (KEK) to encrypt the MDEK. This way, the MDEK stays the same when you change your Master Password derived KEK that wraps the MDEK.



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