From TFA: "Both Apple and Google want your identity anchored to their operating systems. The “happy path” on their devices is to use their synced passkey management tied to your Apple or Google account. If their automated systems decide one day to ban your account, you irreversibly lose access to all your passkeys used across all third-party accounts too."

This is, in my opinion, the most serious problem with passkeys. I'd like to adopt them, but this is a blocker.

If this is your only blocker you could still use passkeys with a different provider, like KeepassXC?

you can use password managers that support passkeys, or a HW key