Apple is actually doing a lot of work (largely) in the background with every OS update.
I was recently pleasantly surprised to be able to use my smartcard form factor FIDO authenticator on macOS using a CCID USB smartcard reader. Not exactly ergonomic on a laptop, but totally viable on a desktop or docking station setup with a permanently plugged in reader. Sometimes I really do miss that contactless card reader option that some Thinkpads offered...
I was recently pleasantly surprised to be able to use my smartcard form factor FIDO authenticator on macOS using a CCID USB smartcard reader. Not exactly ergonomic on a laptop, but totally viable on a desktop or docking station setup with a permanently plugged in reader. Sometimes I really do miss that contactless card reader option that some Thinkpads offered...