Because the audience for passkeys is non-technical we are ending up with paternalistic user-hostile implementations that make all the problems the user's.
I don't want to be locked into a platform. I don't want to have to shoulder the burden of making sure I enroll new hardware tokens every few years because I can't just backup / restore the key material in a sensible manner. I don't want one more thing to worry about or pay somebody else for.
I have been using a password manager since 2002. I intend to keep using some kind of password management (password vault, tokens, passkeys, etc) for the rest of my life. I'm worried that the ergonomics of passkeys are very bad and not well thought-out for the long term.
I'm worried the market is skewing in that direction and I will be forced into passkeys and away from passwords to retain access to basic services. I don't really want to be a vassal of a feudal platform lord for my personal password management needs.
Having said all that, you said:
> If you lose or damage your key, admittedly things get harder.
That's worrisome to me. I think the implementers are thinking about it from an "if things go wrong" perspective. I come at things from a "let's have contingencies for when things go wrong".
For what passkeys do I think end users are ill served by the default mode being either user-hostile or feudal.
> Even enterprise HSMs can do this to some extent with key-wrapping.
This. I feel like passkeys are taking the lifecycle model kinds of questions that HSM buyers have to make and thrusting them upon non-technical end users.
Businesses might purchase an HSM with key-wrapped export or backup functionality because they need fault tolerance, disaster recover, and support for key lifetimes that exceed individual hardware component lifetimes. End users don't seem to be getting this choice with passkeys.
It feels like the people implementing passkeys haven't thought about handling those kinds of considerations in a way that provides convenience and security to end users. The answers I see all amount to "Enroll multiple keys for each site. Handle it yourself manually. End users are too stupid to be trusted to handle this well. Tough luck for you if you don't like this beautiful garden we've built for you."