Someone gotta tell all these SaaS about that if so, because currently everyone is treating Passkeys as an alternative to 2FA. Take a look at how GitHub handles it for example when you use TOTP, they'll ask you to replace TOTP with passkeys.

Many do what you describe, probably because some manager somewhere needs to tick some checkbox.

But GitHub, specifically, allows you to sign in with a passkey. On the sign-in page, there's a "sign in with passkey" link. It activates my 1Password extension, asking if I want to use my passkey. I say yes, and I'm in, I don't type anything. This also works the same way with my YubiKey.