There’s some other options but a password isn’t one of them, all external accounts.
I feel like most people do not actually benefit from the easy mesh networking Tailscale provides, and could just use a simple central WireGuard server, either on a VPS or at home. I’ve mainly switched back to this setup (well, sort of) and it’s been no problem.
If you actually do need an easy mesh VPN, Netbird might be solid as a self-hosted alternative. I never got a chance to really use it but I know other people who do.
Tailscale is probably “best” if your needs are too complex for WireGuard, and you’re not savvy enough to install Netbird, but between both things that seems like a pretty small percentage of people…