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> Passkeys is the way to go. Password manager support for passkeys is getting really good.

And how do you access your password manager when your computer is locked ?

How do you access the phishing site when your computer is locked?

On your phone

Use password manager on your phone?

I don't store my passwords on the phone. Phones are fundamentally less secure than desktop, which can use strong virtualization [0] for security.

[0] My daily driver OS is https://qubes-os.org