I get what you’re saying, but it’s not about getting locked out. It’s about other people using recovery methods to take over your account. Why would anyone try to break through durable public-key encryption when you can just phish a victim’s email account password?
And it’s not like real-time phishing for 2FA/MFA isn’t widespread—it’s just not automated to the same level as other methods. That said, two- or multi-factor is going to stop 99% of automated hacks. It’s the determined ones that I’m concerned about.
In regards to the Apple thing… Apple passwords can be reset using a recovery email. That means the security of the account leaves Apple’s ecosystem and relies on the email provider. So, if I’m a cybercriminal determined to hack your account, I start there.
Then, if you’ve got your keychain all set up, it’s time for a SIM swap. I clone your SIM or convince your mobile carrier to give me a SIM with your number. And even if recovery contacts and keys are alternatives, the use of SMS is problematic. If you really can turn it off, then I’m all for it. But if you can’t be sure, neither can I.
SMS is a very low-security option that is showing its age. It was never intended to be a secure verification method, yet it’s become incredibly popular due to its availability. Unfortuantely, telecom companies are simply not interested in upping their security.
All SIM swap protection is opt-in at this point. Verizon and the gang might wise up considering the lawsuits leveled at them by victims—many of whom lost millions in cryptocurrency due to the carriers’ negligence—but it’s not likely.
The point here isn’t that passkeys are bad for consumers. They’re convenient and about as secure as existing methods. The problem is that they’re being sold on average folks as a security upgrade even though they’re more of a sidegrade. PKI/FIDO already existed before the whole passkeys buzz did, and it had the same limitations. This is mostly just branding and implementation.