Thanks for clarifying.
1-4: makes sense. The downside of relays is IP address (location) leakage to multiple untrusted server if users are not using a VPN.
5: I agree for a wallet use case. But for ...
Re 5. The passkey is used explicitly for the wallet.
Re 6. A regular user doesn't store his passkeys in his desktop, and the passkey stays in his phone or physical key and only the prf result is sent to the desktop.
Re 6. A regular user doesn't store his passkeys in his desktop, and the passkey stays in his phone or physical key and only the prf result is sent to the desktop.
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