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I don't know about the windows side of things, but on Mac I imagine there's just one fingerprint API to support, same with face id. Yubikeys either work or get their drivers from the cloud like most other devices nowadays. I also dont know much about what android has, but I would be suprised to learn if there wasn't native support for the various standards that are in place today, even if manufacturers aren't using it.

> Why don't we just issue everyone PIV smart cards?

Particle Image Velocimetry?

Penis in Vagina?

Pentium 4?

Edit: Hah! Personal Identity Verification!

Non-standards? They all implement the WebAuthN standard.