[Groxx]

For business use, handing out yubikeys is completely reasonable - if they're lost or broken, the company is the authority and they can (and do) just re-issue a new one and work goes on with only a temporary interruption. They're easy to explain, fast to use, provide practical security, and are simple to recover in case of total failure.

For personal use, that equation is wildly different. Google isn't going to let you attach a brand new key, you've just lost your account forever because it rained.