What happens if I lose the key, I don't have it on me, or if I'm using a mobile UI? It seems like you need an identifier (email/username/etc) besides the hardware key for this to be practical.
I currently use a yubikey for as much as I can, so here is what I have: 1) My yubikey has NFC and works fine with my phone. Even that webauthn website demo works in a mobile browser via NFC. 2) For TOTP secrets, I enroll them in both my yubikey and in the Aegis android app. I mainly use these with the Yubico Authenticator software for windows or linux, but I can pull out my phone if I need to. 3) For any account that…
I just wish the banking and financial industry would get onboard. For customer accounts, they are mostly using SMS, but some of them are still using personal info question (e.g. what was your first pets name) as a second factor which is horrible.