> Biometric keys are still a niche techie thing that the average person probably doesn't even know exist.

Is it? Maybe I'm in a bubble but feels like most people I know unlock their phone with biometrics. Sure few do that on their laptop, even less on their desktop, but I imagine that explaining it's "like unlocking your phone" would help those very numerous people (if you have metrics on biometrics on phone, please do share, genuinely curious) see that it's basically doing what they already do on more devices.

Your email account would hopefully have 2FA enabled, so if you lose your belongings, then how would you log on in your scenario?

Assuming your 2FA tokens are generated by phone, of course. But I think that's by far the most common way.