So is there a problem with Apple or no?

I'm not qualified to say yes or no; but I will say that Apple's tends to make design decisions that try to empower the user as much as they can while still being easy to use, and have more or less maintained that position.where as Google, on the other hand, started as "open" and "you can do it all on our platform" to "we're taking away your control and choice little by little, in order to 'protect' you". Oh, and you hear more about Google perma-banning your account for no clear reasons, than Apple...

I'd absolutely never trust Google to manage passwords/passkeys for me, with their habit of irrevocably auto-banning accounts. Apple seems... better? But that's today. That could change, and then you'd be screwed.