The fearmongering of losing google account should stop. Yes, some people lose it. There are a larger proportion losing/getting pwned by repeat use. For the majority - just pressing the fingerprint to access an account (like amazon/eBay) via passkey is great.
Fairly technical co-workers - I used to suggest them to buy USB security key few years ago. Now that same fairly technical some how has at least 2 devices with them - so they just skipped the USB security key need - and just use Google (in Android) or iPhone in Apple ecosystem. Everything just works.
Yes, there will be a poor soul that may lost everything with only one device.
It shouldn’t be this way, but it is.
Not everyone has access to server grade hardware.
Until they lose access to that account and then it becomes my problem to solve.
And you need to accept it works for millions.
Yes there are few that used bitwarden and lost everything as their sync using syncthing failed.