Meanwhile telcos are working hard to convince the public they should all throw in with their insecure telecos accounts as a chain of trust after time and time again showing that your telco account is trivial to steal.
Not convinced on FIDO2, either. It means you need TWO of these devices. One as a backup and another as the common case. Why? Because if you lose a single physical key, you'd have to recover your account. Recovering your account will probably end up being insecure SMS auth or easily socially engineered below-US-min-wage outsourced phone support.