I also agree with your perspective on the user side. I think not only that… but average people are still writing their password as “Password”… so to have them managing a public private key pair seems tricky. Maybe if we can figure out a way for that key pair to auto sync with Apple Passwords or Google Passwords or whatever for the people who don’t use password managers might help. Or maybe create some sort of way of translating a password into a public private key pair so the known UX can still happen. Just some thoughts.