Passkeys are the pinnacle of bad UX. It just works, until the user tries to switch devices, accounts or platforms. The slogan of passkeys should be something like "I don't have a password, it usually just works, but now I changed X and it doesn't work anymore". Even worse is hardware-based 2FA built into smartphones (also FIDO), as you lose your phone in a lake and now you can't access anything anymore.

The way to go is an encrypted password manager + strong unique random passwords + TOTP 2FA. It's human-readable. Yes, that makes it susceptible to phishing, but it also provides very critical UX that makes it universal and simple.