I don't disagree with any of that. You and I will be fine, as long as whatever sites we use don't insist on evil-only providers. The trouble I'm thinking of is for average uncritical phone enjoyers who are guided into a flow where they're migrated to using passkeys with whatever propriety junk they're using and end up locked into Matacorp Secure Cloud who now control their access to all their accounts, where once they had a list of passwords written in the back page of their diary.