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.