What can attacker do having only masterkey.cryptomator

nothing and no. See here: Why is the masterkey stored in the cloud?

see here: What happens exactly when I change password of a vault?

and here: Password and Recovery Key | Cryptomator Documentation

Imagine having a 2 TB Vault and you want to change the password (not make it stronger, just change it). This would mean to download, decrypt, re-encrypt and upload 2 TB of data.

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