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Which part of the "click print, cut or rip out a corner, put it in your wallet" a nightmare for a normal user? (I'm not one, can't judge.)- click print - you lost 50%+ of your users there, as approximately nobody has a printer on stand-by at home; if they have it at all, it's a hassle to turn it on, and half the time it's probably broken (ink dried out, etc.)
- put it in your wallet - where? Also, what if you lose your wallet? At least with everything else in it, there's a reasonable process of recovery, usually involving visiting banks and government institutions in person. No such thing for webshit MFA.
This is worth repeating: literally nothing else in your life works like this. There are no other documents that you need to hold on to for a decade or more[0], that are in any way important, and loss of which can't be recovered from. It's an impossible ask for most people, because nobody has habits or even required perspective for such use case.
(What I usually hear from people is, "you should put it your safe". But I don't have one, and I've never (that I know of) met a single person who owned a safe either. It's some American thing, I believe.)
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[0] - My Google account rescue codes are over a decade old now. I had to use them last year. It's a miracle I still had that piece of paper in my wallet - I've long forgotten about it, but it happened to be put next to a single-page reference for time travelers, so it got transferred to new wallets along with said reference.