You're trying to fix a completely broken system, since passwords are inherently able to be captured, phished, breached and from the user's standpoint, easily forgotten. They're useless and all of the major security focused organizations like Microsoft. Apple, Google, financial institutions, government and others too numerous to list have known it for decades.
That's why all of these organizations got together and created an entirely new authentication system based on a Public Key Infrastructure that instead uses something called Passkeys that can simply be handed over to anyone, because they're useless except on the device where they were created and the Private key used to create them is stored in and encrypted, usually secure storage location like a TMP or similar.
Passkeys overview - Microsoft Support
They work already in certain scenarios and for a few major websites, but the effort right now is going into simplifying the interfaces and shaking out the bugs that affect certain cross-platform usage scenarios.
That's where Microsoft and others are putting their effort, since it's a system that resolves most of the password's failings, is inherently more secure and doesn't require the user to remember much of anything. Which do you think is truly worth the effort?
The password is dead, it'll just take a few years to bury it completely.
Rob