You are describing a wider phenomenon better known as scams or social engineering, of which phishing is a subset. Phishing is defined as tricking the users into giving up their passwords. Passkeys by definition make phishing disappear because there is nothing to give up.

Banks are sending out frequent reminders because scammers are still out there. They pretend to be banks. But they don’t ask for your password anymore. They scare you into action to buy them a gift card. They tell you the IRS is coming after you or the bank is going to wire out all your money unless you listen to them. They tell you your computer is infected with a virus that will steal money unless you copy-paste a special command to kill the virus inside Windows Run. That’s not phishing. That’s not a problem solvable by passkeys.