There's a tradeoff between security and convenience. Apple puts the priority on security.
Indeed that is the rub. Well, that all that goes with Apple's Sandbox…
As my wants/requirements are small and the consequence of compromise are negligible, me thinks I'll just opt for a home made simple algorithm. Clearly, one could brute force the solution, but that is unlikely.
Now, re my numbered Credit Suisse account in the Caymans, ah, that is a different matter.
Always, my thanks kind sir, for the most enlightening (and educational) tutorial.