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> How is this easier than just using a password manager?

Easy and Secure are often at odds.

I am using a password manager, I have a passkey saved in it. Should that service go down or have some kind of software problem with that passkey, I have physical ones which also can work for offline services such as my OS logins.

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Why is a password manager a "service" it should really just be a program and as many encrypted backups as you want. Maybe you pay for them to host those backups, but that's a choice you should be able to make.

> Why is a password manager a "service" it should really just be a program

"Okay, my password manager is now a program. Oh no, program won't run. Not sure why!"

"Glad I have these physical passkeys! Also helps with those airgapped servers at work!"

I'm not against physical keys at all. I have one on my keychain. I'm against making things hard to maintain ourselves. Being dependent on Apple and Google to agree before we can own our own keys is what bothers me.

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