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> unless you lose your whole Google account

I’ve seen enough horror stories here that this can’t be handwaved away.

Don't use Google then.

Except sibling comment to yours says that they are not so easily transferable. We're also discussing using a fob for the passkey. That's the physical hardware that I was referring. People keep tossing around Yubikey type of suggestions. How is that not hardware? Why do we keep making strange comments like this when they're clearly not true.

The Apple, Google, 1Password, etc managers sync Passkeys to your account between all devices. Sure, if you specifically use a hardware device like a Yubikey then you can physically lose it but most people will never have a hardware authenticator.

There are device-bound passkeys.