Comment by comex

You don’t have to use a password manager that relies on an account. Personally I use Strongbox on iOS and macOS, which stores everything (including passkeys) in a .kdbx file. I then sync the .kdbx file over iCloud, but if I lost access to iCloud then there would still be copies of the file on all my devices. Overall this is not as secure as the more centralized alternatives, but it does leave me in control.