@pbirster Are there any articles out there on passwordless that isn't actually written and circulated by the parties that have business interests in advocating for passwordless? I don't think so.
Is that the standard for determining what makes sense? By the literature out there? You almost sound like an invisible third hand coming out to deflect on their behalf.
If it's that obvious and I'm that clueless - then Microsoft should be able to deflect the points I've made based on common sense about my security concerns and my curiosity for their decisions in this area really easily - don't get in the way if you're not going to clarify even at least part of anything I said, that's just rude. I was very specific in my post and it was directed to Microsoft.