I don't think passkeys are going to replace passwords any time soon, and I don't think freeloaders are even part of the equation here. You can share a passkey through Bitwarden just as easily as you can share a password.
Freeloaders already need to jump through hoops to share passwords and even then they're getting off easy; if streaming companies actually cared about catching freeloaders, they could stop the practice all together. What they're doing now is just signalling them that you're not supposed to and adding very minor annoyances to the mix.
https://support.apple.com/en-gb/guide/icloud-windows/icw2bab...
After you set up iCloud for Windows, you can use iCloud Passwords to access your passwords in Google Chrome or Microsoft Edge using a browser extension. You can also manage your passwords in the iCloud Passwords app.
That said, passwords are actually so bad that anything would be an improvement over them. While a stealable passkey vault sync'd to your malware-infested Windows laptop is not ideal for security, it's sure better than typing your bank password into your favorite forum because you don't understand that website administrators can see your password when you type it on their site. (Not to mention phishing.)