Passkeys are real progress. They're also not universal yet, and most services still fall back to TOTP codes when passkey support isn't available or isn't trusted.
If you're managing 20+ accounts today, you still need a solid 2FA setup. That gap isn't closing overnight.
Fob is built for exactly that reality - a clean TOTP app for the accounts that aren't passkey-ready yet (which is most of them).