Your usage of “secure” is very vague so I’ll clarify thats its the safest and most secure way to still be able to access your master password physically without it being leaked digitally thats the purpose of the physical emergency sheet. I’m suggesting this since I agree the weakest link is always the person first (memory and injury being the main culprits) then actual threats, but it should be stated your masterpassword should be something like a 6+ word, randomly generated passphrase so memorization shouldnt be a problem for the healthy, average joe imo. Keep the emergency sheet in a bolted down safe and/or somewhere offsite like a trusted one’s bolted down safe or a safety deposit box as a means to protect against burglary and fires. You can always limit what you want to put on the emergency sheet or even obscure it if thats a concern however, I would avoid that in case something happens to you and your loved ones need access to your account credentials, like your death for example. All your other point I agree with especially about the passkeys I really hope that takes off. Happy trails