In my opinion, this is a terribly shitty solution from a security point of view. A dream for government and companies like Apple an Google to control your digit

In my opinion, this is a terribly shitty solution from a security point of view. A dream for government and companies like Apple an Google to control your digital life. With passwords, you are like "stateless", you can a private email account, or any account and pass a border, ... without anyone knowing that you have an account, forcing you to give access, extracting the access element from a hardware, or locking you out because you lost access to the device. Even if master keys and co would be stored on TPM, secure elements, ... it is just a matter of years and compute powers because some gov can access it. Most of the time it already proves that you have a credential for an account. Manufacturer of your machine or OS, can easily be forced by authorities to give access to the secure part. Willingly or not.