No - Buddy. It is secured for this one specific device that I have biometric authentication for. What about my computer? What about my other computer that isn't on the same operating system?

Then use a Yubikey.

I use both Bitwarden and Apple's native Passwords.app and just save a passkey for each app. Usually you can name the passkey on the website/in the app as well.
This is also the system I use when saving 2FA TOTP codes as well so I guess I'm used to it, but it makes good sense to me to have reduncancy in my password apps. Also I lock up *the apps themselves* with passkeys in the respective app for ease of use.
:mastozany:

And, the next ultra-big step: How would a non-techie figure this shit out?

They don't have a computer, another computer with a different OS, or bitwarden.

And, the next ultra-big step: How would a non-techie figure this shit out?

They wouldn't, because the people calling the shots in the tech world create UX with a focus on it sucking for everyone

This was roughly the state of affairs before but the state of things have relented where software password managers are now allowed to serve the purpose.

So if a hardened security guy wants to only use his dedicated hardware token with registering backups, that's possible.

If a layman wants to use Google password manager to just take care of it, that's fine too.

Also much in between, using a phone instead of a yubikey like, using an offline password manager, etc.