Heck, forget about the fire. You're traveling in a foreign country without your laptop when your wallet and phone are stolen. You can probably get to a public

Heck, forget about the fire. You're traveling in a foreign country without your laptop when your wallet and phone are stolen. You can probably get to a public computer, but how do you get into your email? This situation strikes me as much more likely than getting hacked. Hence I will never use passkeys unless forced, and if forced I will do everything in my power to switch to another service. Same for forced 2FA as far as I'm concerned.