I'm talking about the "personal use" usecase and not the professional/business usecase. I agree with the value of security keys as being a physical token with low/no risk of leaking. But for personal use there's no way I can make that work for me day-to-day, even less of a chance I could get my parents bought-in on that idea. And I've tried, as someone who actually developed software to interface with this tech directly. I always have my phone with me, but if not, I can always login to my cloud-synced password manager in a pinch. (Worth mentioning, I don't have the same paranoia as some regarding cloud-synced vaults when done right, big reason I left that aforementioned company).