I am using php mysqli_connect
for login to a MySQL database (all on localhost)
Like many many people, I have had the same problem. Although the user is set to use mysql_native_password, and I can connect from the command line, the only way I could get mysqli() to connect is to add
default-authentication-plugin=mysql_native_password
to the [mysqld] section of, in my setup on ubuntu 19.10, /etc/mysql/mysql.conf.d/mysqld.cnf