To use my own insight: regular joe does not want to buy an expensive product and install some hardware. (the "cheap" $20 ones are literally worse than useless. but even $20 is too much.) 2FA's future is in touchID (integrated into touch bar on mac) and push to a phone app. The latency of push to a phone app is more acceptable than the confusion and vagary around adding an expensive usb key that you don't understand and then doesn't work on your mobile anyway.