At Caution we -exclusively- allow passkeys. The entire database is user ids and public keys. If it leaks, it would only be mildly annoying.
If you are confused about digital passkeys, you can use a physical yubikey or nitrokey and tap it when it blinks. You can treat them like a credit card or house keys.
Asking people to keep up with and remember passwords is and always has been the thing that was invented with zero understanding of the consumer brain.