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I own two (one as a backup in my safe in case I lose this one. They all have the same TOTP stuff and setup in every service side by side where possible), to agree with you. Though it’ll be lovely when your iPhone can be a U2F key through their hardware security chips and some OS support, if I’m dreaming out loud.

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Have I got good news for you: https://webkit.org/blog/11312/meet-face-id-and-touch-id-for-... - ICYMI WebAuthn is the successor to U2F.

I do like phones are building in these keys, it makes them way more accessible to the general population, and generally not a pain to use. And then those of us with physical keys get better support too :)

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