[jeroenhd]

Everyone I know about 40 years old use <name><year in range 1960-2000><special character to pass check, usually exclamation point> as the formula for their passwords. Capital letters are the first letter of the name, of course.

The only exceptions are passwords generated for them with change password pages that are more than two clicks away.

I applaud passkeys, despite their obvious problems surrounding their centralisation in Apple's or Google's account. The probability of your account being banned is much lower than the probability of Steven1971! getting guessed (or leaked in any hack).