Yeah you are going far beyond most people, but passkeys will be a major step up for the majority of the population who still use the same or similar passwords for everything.

Had this a few weeks ago, my partner had her email hacked, she used the same password on a service that was hacked and email/passwords stollen. They first used a ‘forgot password’ on her phone operator account, reported the SIM as lost/stollen and registered her number to a new SIM. Then they could change the passwords on anything they liked as they had her phone number and got the 2FA calls and SMS. They then went through accounts downloading apps and setting up or re-registering MFA once the passwords were changed.