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> I would say because it relies on an hardware key

This isn’t true on Apple, Google, or Microsoft devices which have a trusted hardware store – I use my MBP’s Secure Enclave for 90% of my logins since it’s just a Touch ID check.

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Well, there is a hardware key, it's just that it's the device you're using.

In other words, having a hardware key is not a real barrier to use.

The opposite. It's a barrier because most users don't have one.

…and yet most users are browsing using a device which itself contains a hardware key… and thus it is not a barrier.

What if I don't like viewing web pages on a phone?

Right, but that gets rid of the objection: there’s no second thing to buy and carry around, it’s faster, and it’s more secure than the alternatives.

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