It is not just that everyone knows how passwords work. It is also that you can always enter a password. What if I don't have my phone to scan a qr-code? What if I want to use a minimalistic browser that doesn't implement a key pair store and I don't want to or can't set up one external? What if my minimal browser is text only? What if I'm on another device and don't have my stuff on there? I will pretty much always b…
You are correct, as long as you throw out all the other password advice that, ironically, Troy Hunt has given us about not reusing passwords, making them long or full of hard-to-memorize characters, etc.
Once you use secure passwords by making them long and/or hard to memorize, unique for each website, etc., you can't just rely on your brain, fingers, and an awkward on-screen keyboard to "always enter a password." You need your password manager with you, you need privacy so nobody can shoulder surf while you agonizingly peck out your password on your touch screen keyboard (remember everyone learning Kanye's cell phone password recently?), etc.
Your statement about universality is only technically true.