It's not my or anyone here's passkey, since no one here works for Microsoft, we're just volunteers helping people like you with no clue.
The passkey was created by a consortium of many companies, of which Microsoft, Google and Apple are just a few, in order to get rid of the useless passwords that are one major reason so many accounts have been compromised over the last few decades.
Passkeys (Passkey Authentication)
You can choose to ignore these well-known facts, but that changes nothing, while making choices to move ahead with the modern security features as many others like me have has mean we've had simply none of these problems with losing accounts or having them breached. It's really that simple.
But go ahead and keep making bad choices, that's your right. Just don't come complain when you lose access or control of your account(s), identity or other items like money that the criminals are stealing from people every day.
Remember, it isn't Microsoft that's responsible for your account's authentication security, it's you and no one else.
Passkeys are far more secure than passwords, but they're new and require better support from your devices as well, so they won't be easy to use until you've upgraded to Windows 11, which is why I've chosen not to use them for now myself until I upgrade. I do inherently use them with Windows 10 itself though in Windows Hello, but that doesn't force me to use them for other websites, so I simply choose to ignore them other than the one I created for Amazon, but I have to use the additional TOTP code there anyway, which is why I say they're not easy [with some websites] at present.
Won't stop me from suggesting that everyone stop using passwords whenever possible though, as well as suggesting other options like the Microsoft Authenticator that I've also used for several years and works quite easily to verify both my Microsoft and other 3rd-party accounts using either the built-in password manager or TOTP codes on the authenticator itself. I use a mix of these for various sites depending on both where I am at the moment and how a particular website actually works. But then I've got roughly 50 years as a computing and security professional working for and with customers in education, business and government, so nearly anything technical is relatively easy for me, but I also understand what's actually better for most less technical users as well.
Passkeys need some polish work on the interfaces used by the vendors, but that's always true with any new technology, so eventually Microsoft and the others will work out minor bugs and annoyances like the one discussed in this thread. But that doesn't actually make them any less secure, just not yet as easy to use as they might be.
Rob