The fob also has a physical key hidden inside - although that's a bit more obvious as there is a key hole on the drivers door.
So you may be right after all. I knew about the physical key but at the dealership they only said its used to open the doors.
I have never had to actually use it, but looked into it when I got low battery-warnings to make sure I would not be locked out.
Assuming this is not a legal requirement I am sure there are models where this is not possible though.
Other cars probably have other solution. It was possible in my case as well (not BMW) but do not remember the process.
Because besides personal experience, googling the proximity keys of all of those brands shows the expected pop-out keys.
Also photos of various models from all those brands in 2020 show key holes on the driver's door, which would suggest there is in fact a key somewhere that fits it.