Agreed . The only interaction I have with the "cloud " is looking up and watching them float by..........far too many data breaches just to name one obvious reason.Passkeys still a work in progress.
For example
Amazon doesn't support any passkey device that only stores data locally on a pc.
It asks you if you want to save your passkey on Windows Hello, but always prompts for a USB key.
In reality it will only save on Google password manager or Apple iCloud Keychain or a USB key.
I just got off the phone with Amazon and after some time they confirmed it. They want to use a cloud service, which I'm not in favour of.