Thanks for clarifying.

1-4: makes sense. The downside of relays is IP address (location) leakage to multiple untrusted server if users are not using a VPN.

5: I agree for a wallet use case. But for nostr the user loses his social graph.

6: the UX cost is zero for icloud-key-value-store (users are generally logged into their Apple ID on iOS). On Android there is a UX cost. The main upside I see is 2FA though. Compromise of a passkey is not unlikely on a desktop computer due to higher malware risk. Users could recover their wallet only on mobile devices. A user using yubikeys to secure their Apple/Google account would be resistent to an adversary that has compromised their laptop.

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Re 5. The passkey is used explicitly for the wallet.

Re 6. A regular user doesn't store his passkeys in his desktop, and the passkey stays in his phone or physical key and only the prf result is sent to the desktop.

How does a user prevent sync of the passkey to his desktop? iCloud Keychain items are synced to all devices. Same with 1Password.