It reminds me of when Netflix was big and I told everyone they'd have commercials eventually. Sure you can still buy a plan without commercials, but I suspect that eventually, when money gets really tight for them, will go away.

Same thing here. Right now passkeys are "open", but who is to say my bank won't require a Apple/Google managed passkey in the future. Hell, I can't run the bank app without running a Apple/Google approved apk.