[uola]

Yeah, while I can appreciate the question (curiosity is a good things) I don't think anyone with experience of software should be surprised. When you consider things like passwords, credit cards, wifi login and e-mail addresses the question is really why aren't more things like sim cards. (which is kind of what Apple is trying to do these days?)

[bonzini]

The Yubikey Neo and similar gadgets are pretty much the same thing as USB smart cards. The software could be improved but in the end it is a pretty convenient way to achieve two factor authentication.