It's directly related. If it's in Apple's system... or M$'s systems... They get to control your passkeys (not you). Including arbitrarily locking you out for whatever reason they want. Including "oops our datacenter died". Hell... case and point. I bought new pixel phones (GrapheneOS), Google store didn't charge my card at all, a card that's been associated with my account for at least 10 years now, they marked it as "Suspicious" and locked my entire google account. Talking to support... None of them can even see that my account is locked.

This is what "normal" people will get shoved into. This is not a win for any consumer. It's a win for corporations. They get to see each request you make and use that metadata for themselves.