[tialaramex]

You don't mention which country and thus which government. Some US government sites do accept WebAuthn, and for at least some UK sites it's possible via a third party.

Banks though, yeah they aren't good at this stuff. My safe† bank decided one day to completely up-end how logins work and almost locked me out. My good bank provide a very stupid, proprietary solution but at least it's an actual secure solution.

† Safe in that they're owned by the government, so, if they go bankrupt I have worse problems because now I live in a failed state. Big piles money of money sit in this bank because it's safe, but it's run by clowns who don't understand customer service.