You register 4 keys on each website?
you register at least two keys, and when one fails or is lost, you pull the emergency backup out of a safe and register new one(s).
The fraction of people willing to regularly schedule enroll-o-ramas at each of their accounts and each of their backup key locations is probably smaller than a percent of all potential WebAuthN users.
Password manager. Primary e-mail account. DNS provider.
Other than that, it's rarely supported and rarely worth the hassle when it is.
Banks are so slow with this sort of thing, and still require SMS as a fallback option.
It's inconvenient, sure, but it's more convenient than my bank accounts that are accessible online being cleaned out.