Most sites currently have you create your account with a password, and then later you can add passkeys. If you still have your passwords after your house burns

Most sites currently have you create your account with a password, and then later you can add passkeys. If you still have your passwords after your house burns down you can use those to get into sites. If your house burning down also wiped out wherever you store your passwords, you'd use whatever mechanism each site provides for recovering from a lost password.