That's why you shouldn't use exclusive on device storage for them, like Apple/Google want you to. Biometrics are shit, I prefer passwords if we are having no passkeys. I agree they are not perfect, but we can improve them and they will be a lot better than passwords for the majority of people.
Also, you wont lose your account, youll just have to go through a recovery process. Exactly the same as you would now if you forgot a password or lost a MFA code.