No installer: Can be ran by just unzipping. No cloud stuff, it's just an app that encrypts your passwords into an encrypted file. It's not free, but it's reasonably priced. I've been using it since 2007.

Oh god, a debit card is WAY worse to use than a credit card in every conceivable way. It's actual money being drawn/frauded off you, not fake money that you can fight at your leisure with a credit card. Meanwhile your actual money was taken while fighting fraudulent debit card charges. It sounds like you take some steps to limit the damage, but way too many people just use their debit cards for everything and are financially devastated when they get defrauded.