I’d love to see the state of online banking if everyone were to manage their own ssh keys

In all seriousness, they are similar, but not quite in this context.

There’s a good project on how to make ssh key infra more scalable and innately secure. Then you can use passkeys on top if you’d like.

https://github.com/openpubkey/openpubkey

https://github.com/openpubkey/opkssh

I personally use this on all my servers.