Consider also the option, that you dont need any security...

This over-the-top nonsense for garbage accounts really needs to stop.

I agree with some of the "opt-in" stuff but really, the default should be no passwords, no passkeys, nothing.

IFF you need to secure something, your password manager can offer a password of "good enough" quality.

This is a very simple problem with an overengineered mess around it - but the sec folks like it overcomplex, so they can charge more...