This was exactly the right answer and the reason sort of irks me.
I never turned on the setting in Chrome, but when I updated my laptop security, the option to use the hello login was changed inside the browser. When Microsoft makes any security setting changes, I want to be asked. When they make a change in someone else's software product, I get steamed.
Paul Ellsworth,
It's not Microsoft that enabled this for you, but actually Google Chrome and based on the following article, it's likely something you enabled yourself when Chrome asked sometime previous to the more recent events. possibly related to a different purpose, since one it's enabled for one reason it's enabled for all of them.
Windows 11's Chrome nags users to enable Windows Hello, causing confusion
And the true reason Google Chrome and also Microsoft itself for their own Windows Hello and Edge browser are requesting this is that it'll eventually be a requirement of the FIDO 2 standards that all of the major names like Apple, Google, Microsoft and others have aided in developing to remove the need for passwords altogether, instead moving to something called passkeys that better secure website access without you needing to remember anything, as the following article discusses.
Search for the word 'passkeys' to read more about these on your favorite 3rd-party website that may explain them more simply, since some articles about this are too technical for many users.
Rob