The root cause of CVE-2021-45077 is the insecure storage of sensitive information, specifically usernames and passwords, in plaintext within the router's configuration files. The device's firmware fails to encrypt or hash these credentials, making them easily readable by anyone with access to the file system. This lack of proper security measures, such as encryption or secure hashing algorithms, allows for trivial retrieval of administrative and service credentials. The flaw lies in the design and implementation of the configuration management system, which prioritizes ease of access over security. The specific function responsible for writing the configuration data to the file system is the likely point of failure, failing to incorporate any security measures to protect the sensitive data.