| > Tying 2FA to hardware is for most of the common use cases a bad idea. For me, I don't consider that to be true. I have a Yubikey on my keyring, and a backup Yubikey in my safe. Losing my keys is an extremely rare thing (I've never actually lost my keys, closest I've come in the last 30 years is temporarily misplacing them or locking them inside). I'm happy enough to deal with losing my digital access (via 2FA) tea[orarily under the same sort of circumstances where I've lost my keys. I might need to call a locksmith to get inside my house/car if I've locked them inside, or possibly to get me inside so I can replace the locks (and get my backup Yubikey out of the safe). When I travel for work, I at least try to make sure I can get into critical systems using TOTP (on my phone and backed up with cloud accessible seeds), to protect against losing th4e Yubikey while abroad. I don't usually bother doing too much of that when I'm on vacation travelling. |
To me the critical difference would be that my house keys are single purpose and only serve at a single location. I lost/broke keys a few times in my life, and the only issue was to wait outside the house for a few hours.
I didn't need to authorize 3d secure transactions when paying for the hotel or a taxi, didn't need to authorize accessing my Gitlab account at work, nor validate that I'm really me in the flurry of 2FA services. Nowadays phones and computers are more akin to wallets, and I'm actually more in trouble when losing access to my phone than when losing my wallet.