
Re: "Microsoft", "cloud", "passwordless authentication"......................
" The point is these risks are much more manageable and eliminating passwords gives the user much more convenience and very often much better security."
Not if you applied for a job with the U.S. government prior to the OPM breach*, at which point your face and fingerprints are now the property of an organisation that is untrusted by everyone, with the added bonus of being unchangeable without very expenseive surgery.
note: or the breach of any other entity to which you had to provide biometric data