It seems you're experiencing frustration with Microsoft's sign-in process, particularly regarding the use of a passkey for verification. When using a passkey or biometric authentication, it's important to note that your Microsoft account still has a password associated with it in the background. Certain security actions, like verifying your identity or changing account settings, may require password confirmation instead of a passkey.
If you are being prompted for a passkey and find it inconvenient, you might consider creating or resetting your password. This way, you can use it for verification when needed while still being able to sign in with your passkey for daily access. You can manage your security settings and create a password by visiting the Microsoft account security page.
If you continue to have issues, it may be helpful to reach out to Microsoft support for further assistance with your account settings.
References: