> If I lose my only front door key, I can't get into my house.

You can pay a locksmith to pick (and rekey) the door lock. You can even break down the door and replace it later. None of that is an option with passkeys.

In this metaphor, these are the "forgotten password" or "recovery key" flows.

Your argument is exactly why people conflate passkeys with cloud syncing and vendor lock-in.