The problem isn't the cost of replacing it, the problem is - how do you log in when all your passkey-bearing devices just got flushed down the toilet?
Copy pasting my other comment from an earlier thread
FIDO2 USB Security key -> Bitwarden (With master password) -> Every other method (topt/password)
I have 3 FIDO2 USB Security keys, One I carry with my persons at all times, one that stays with my main machine at all times and an offsite backup that is sitting in a friend's server, if my house burns down, I can either physically collect the key or use USB-IP to authenticate back into bitwarden and enroll a new key. (Actually all 3 are at home right now but that's ok)
Its going to be hard to flush my desktop and my laptop down the toilet.
But a majority don't do that. For them let them use passkeys. If the possibility is once in 10 years then I am happy to do that. A majority is happy to do that.
And yes, Google or Apple - dont say you should not keep passwords in your database and sync it with dropbox. DIY.
Rest of us want convenience.
How is that different from accidentally deleting your keepass database? Or forgetting your password? I think it’d be easier for me to forget than find myself trying to flush all my hw tokens…