Right? There are a lot of very complex suggestions for this simple problem.
To simplify even more, based on the use case, it would probably be fine to just share an inline user:pass@site.com link. That would avoid even needing the user to fill a basic auth form.
You introduced 'generic', as far as I can tell? Maybe they're personal, family, including children, etc. all sorts of things perfectly reasonable not to want 'on the internet' but to share with somebody else specific (by using the internet, sure).