Just because this is a common misunderstanding of passkeys, I'm going to state it again here: passkeys don't have to be locked to a hardware chip inside your device in order to work. It is entirely possible to have use passkeys only in software (shameless plug to the passkey manager I'm building, https://bulwark.id), and that is most likely the way that most people will interact with them.
I think it's unfortunate that Apple and Google are the ones who are most visible in the passkey space because it gives people the idea that passkeys are a locked-down authentication mechanism when they aren't.
I think it's unfortunate that Apple and Google are the ones who are most visible in the passkey space because it gives people the idea that passkeys are a locked-down authentication mechanism when they aren't.