I don’t think the problem is that everyone is treating it like an enterprise customer solution. I think the problem is that everyone is trying to play the “capture user credentials to lock them into our ecosystem” game. That’s why 1Password, Chrome, and Apple all want my passkey every single time.
passkey is imho one of the most important security developments that touch consumers and also one of the worst consumer rollouts i ever witnessed because every company involved treats everything like an enterprise customer solution