So, on one hand, I agree, password managers/FIDO should basically be part of every OS/browser and tech companies should come together to make it all interop sea

So, on one hand, I agree, password managers/FIDO should basically be part of every OS/browser and tech companies should come together to make it all interop seamlessly for the good of society. On the other hand, the biggest barrier to adoption that I have found is people losing their master password. And supporting good account recovery is difficult and expensive. A subscription service that actually had a real way of validating identity for account recovery could be something worth paying for, for people who are not very tech savvy. Maybe we can come up with a good account recovery service without dedicated customer support folks, but the moment you have a bad experience, you're probably going to go back to Password123.