Why I like passwords (and various key locked/unlocked with passwords? Simply because I can change them, I control them.

Biometrics is unsafe by design because our body can change outside our control and our body is public enough and unchangeable enough to be a REALLY unsafe authentication system for anything but human being interacting together.

External other-factor auths like OTP, side verification, port-knocking, ... are good, but they still need a password somewhere in the chain.

So no, it's not only a matter of reactionary users not willing to change but also a matter of rational safety reasoning.