They're a solution to a problem that were created by people who are completely out of touch with normal users and how they use computers.

Sure they work fine on a technical level, but they're frustrating and confusing for the vast majority of people I know.

Depends. They make it pretty easy for people who don't think about the consequences of things.

I worry I am going to get locked out of my Google account, muggles don't. Doesn't stop them from getting locked out.

Apple has a vision where you have an iPhone and a mac at home and a mac at work and a vision pro and an Apple TV and all of that and your passcodes "just work". Doesn't work for the "rest of us", like we're already used to AirPods punishing us for using Windows.