I know I can't speak for everyone, but I at least don't see the passkey as even pretending to solve that.

There frankly is no solution for the problem you are talking about, because the 'average person' is extremely disorganized and barely understands anything about security or authentication, let alone how to manage their passwords/secrets effectively. And it appears consumers "don't want" that... arguably for good reason. We accept a tiny chance of being hacked in exchange for knowing that if our house burns down with all our devices in it, we won't be locked out of an Apple/Google account for life, even if we weren't wise enough to keep a DVD full of exported passkeys or lists of recovery codes in a safe remote location.

Passkeys are in practice for one thing and one thing only (and they're very good at it!): Replacing passwords with something that unlike passwords:

1. The secret doesn't need to travel anywhere so it can't be stolen at authentication time

2. Uniform and large entropy not bounded by memorability, creativity, or misguided dumbass website owners ("Please use THESE AND ONLY THESE 'special' characters: ! @ $ % _ ")

3. Impossible to be improperly reused

4. Each device's secret is independently revocable.

5. Extremely difficult to 'phish' on a fake website.

Even if we don't fix the "analog hole" so to speak where you can either SMS-reset or socially-engineer someone into resetting it, if we could kill passwords globally and replace with Passkeys, it would be probably the biggest win for security. I'd challenge anyone to name a better single thing we could do.