If there is no throttling/rate-limiting/banning then this setup allows for a lot of attempts, wether brute-force or dictionary.
Every form of authentication is either subject to "a lot of attempts" or trivial DoS (for when you rate limit the login API so now admins can't log in either). The principles behind modern authentication are mostly "how do we make verification require even more attempts if the attacker doesn't know the password".
Most web servers don't really come with any built in defense against brute force attempts vs Basic Auth gates, so unless you've set something up to protect it, someone with enough time will eventually get in.
That's only correct if the password is weak. With enough entropy, it's practically impossible to brute force.
Only when the password is weak enough to bruteforce swiftly. It will take literally thousands of years to bruteforce strong passwords.
> just go to any old computer and ssh into my server
You've typed your password into a computer you don't control. Now it's gone. Same for plugging in the USB stick. The Yubikey approach mitigates that.
Assuming you want to do this, the best practice you can achieve is just making the password long.
You can mitigate it by using an MFA method that requires confirming on a separate device like a phone, but that's down to one layer of defense.
I use an SSH app on my phone for remote access, and I go over a VPN. SSH is not exposed to the public internet.
It was definitely true at one point that small scale indie web devs and small business contractors outnumbered big tech in both headcount and servers. I don't think that's been true for a while now.
WordPress powers 43% of websites today. Shopify, Wix, and Squarespace together only account for 11%.
https://w3techs.com/technologies/overview/content_management
With Softaculous for automatic installation of scripts it's still widely popular for Wordpress installations. Web hosting is however a very dead market to startup in.