[alyandon]

  (1) is already true today. There is no way for services to enforce whether a passkey is stored in software or hardware.

Challenge: Go and try to register a non-blessed passkey type with PayPal and come back and share your experience.

  (2) I understand you don't like the user experience

Pretty much my complaint. Passkeys allow for service providers to do dumb things that result in terrible UX. With Password + TOTP, I don't get asked to touch a sensor, enter a PIN, enter an unlock password, etc.

[spencerflem]

I actually kinda like the enter-a-pin flow, it makes me feel a lot safer about letting someone hold my phone. I just hate the lock-in it adds