[ghaff]

The parent did refer to banks giving them to people. I just got a USB one in a swag bag at an event from Google so I guess they're pretty inexpensive these days. But I don't disagree with the basic point. Most everyone has a phone and won't carry around a separate hardware device in general irrespective of price.

[pmontra]

Yeah, of course I won't do that because I might lose that device and it takes space, times the number of banks giving me their own hardware.

I keep my hardware key generator at home. I need it only to perform some operations from my computer. Everything I do outside home is with the phone, which funnily is its own 2FA device. Banks and regulators accept that for the sake of convenience.