Then passkeys are a guarantee of account loss, if there is no reasonable way of recovery.
The repeated response to "I lost the passkey, what now?" is apathy. It is your fault, you should have done better, eat it loser.
Because companies built passkeys for their own needs, not for users. In a managed device setting, there is a response: You go to IT and get provisioned new credentials. These companies don't care that you get fucked because they just don't care about your needs at all.