it will probably end up in text files and other such places, and if such a file gets into the wrong hands you'll be in less of a trouble because of the limited permissions
I am abandoning this conversation. This is only true with API tokens. With passwords, it generally stays in the password manager. The fact that the damage from your stolen API token is then mitigated if you've reduced its scope still leaves you in a worse position than if it had never been stored in the text file and never been stolen in the first place. If you can't or won't grasp this central point (or the other I mentioned in my other message), I think we have nothing to discuss.