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Hardware tokens are a PITA. Sure everyone has a house key because they only have a house at a time. I have 3 bank accounts, a few brokerage accounts, some pension logins on top of the regular stuff. I'm not going to carry 15 hardware tokens with me.


You only need one, plus a couple recovery spares, in any sane implementation.


SecurID tokens suck but with FIDO2, you'd only need one key.

Of course, that breaks the UX analogy of the house key.




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