Earlier quoted context omitted.
Interesting take on 2FA. The user not being able to screw up is of course important, but the second factor (something you have) works primarily because it is tied to something physical and therefore local to the user, which is not subject to remote attacks.
Don’t most people that this this “correctly” use a password manager which stores passwords on the same device as stores the totp token and generates the one time code? Doesn’t this effectively turn your password into a device that you have, effectively turning the first factor ( something you know ) into something you have , while the second factor ( something you have ) is the same thing you have from the first fact…
Even if someone steals your phone, you should have a passcode. If they know or guess your passcode, well… someone could steal your house/car keys too, and we still carry them around anyway :)