> But I am curious why one would need to login to a website in order to survive?

They use bank like Ally or Discover with no physical branches.

They use a mortgage provider like Rocket mortgage with no physical branches.

They use a medication delivery service with no physical customer facing pharmacies.

They have an employer that only facilitates reimbursement for expenses via online tools.

etc...

I guess "survive" has a sliding scale, but if I lost access to critical accounts... my life is going to FUCKING SUCK in a non-trivial and very impactful way almost immediately, on many fronts.

And if your answer to that problem is "well, just call them"... then we're right back to the point the article is making: "An account’s security is still dictated by the weakest recovery method"

Passkeys aren't a meaningful improvement in security - assuming you do actually have decent password hygiene like a password manager.

If your phone is lost, how are you going to sync your passkeys to your new cheap android? In a passkey-only future, you cannot login to your Gmail account without your passkey, which is only on your phone, which you've now just lost.

What am I missing? Either we retain passwords as backup for a lost or stolen device - in which case, all the security concerns are still there - or we only use passkeys, in which case we've added a clear nonrecoverable point of failure in the system.

Doesn't being able to sync your passkeys by entering your conventional password somewhere eliminate the whole point of passkeys? It just shifts the point where you can enter the password to recover your data to a less convenient place. And if your entire stack is passkey-protected (which I'm pretty sure is the case most of the time) then the secondary phone won't do anything for you.

When I said "survival", I meant it in the "being able to make do with few resources in a time of crisis" way, not that you will literally die if you can't access an account. Losing a crucial device without a fallback of being able to log in somewhere else quickly can mean immediately losing access to payments (the most crippling, especially if you're not home), being stranded in an airport or even not having an identity document (in countries with digital ID systems). Any of these happening can lead to enormous losses in time, money or worse, depending on when and where this event hits you.

What? Did you read the thread? I never said passkeys can only exist on phones. The whole conversation is about "how do I log on with passkeys if something happens to my trusted device?". The parent comments talked about just using your phone, I'm saying there's lots of situations where someone might not have access to either a phone or an internet connection for it. And when this happens, you really don't want to be left without a way to access all vital digital services.

I'll have to remember this one the next time I hear the phone/poverty argument made in bad faith.