Yeah, “what if I lose my phone?” - that’s the key issue I identified. They want you to be dependent on your phone. The comeback is to store those passkeys in your platform account - in that case you are now chained to your account as well, and the security is only as good as access to your account.
Discussion
i have my passkeys in self-hosted vaultvarden. I can access it everywhere where i install the browser extension.
(also there are physcical FIDO devices out there so you don't need a phone per se)