For me, passkey's have made it when I can pay several different, independent providers to store them for me, and authorise the devices I can put them on.

To expand on that a bit, I don't have a problem with banks or whoever insisting they be stored securely. That means I don't have a problem win the inference that they don't trust me to store or even see my own keys.

What I do have a problem with is not being able to back them up. Which means I have a problem with Apple, Google or even Bitwarden handing me out a free they can take away at any time.

Fix that, so I can have store my identity(ies) at multiple providers, and I happy.