[ryandrake]

What we need to push back on is making a phone a requirement to do routine banking and conducting other necessary business. There is no reason I should be required to have a phone in order to query my balance or transfer money to someone, when I have a perfectly good computer sitting here.

[shafoshaf]

The physical keys, like Yubico, help with that. However, I have not been convinced that a password manager with unique, strong passwords on all my accounts shouldn't suffice. I don't know why I have to be penalized because other users don't use best practices.