Just to elaborate further the idea of automatic upgrade is either:
1. I don't want to be nagged to make passkeys all the time, but I *do* want them, so OS please take care of it for me; or
2. I don't know what a passkey is, and the operating system is going to just take care of that for me, and now somehow I just log into sites magically.

The second one is what leads conditional create being defaulted to "on" in iOS, and I don't like it.