With physical U2F key, I could explain to my 78 year-old-parents "this is a physical key needed to access your account. Think of it like the front door key to your house. Don't lose it or lend it to anyone. We should have a couple of backup keys too." And they got completely understood and added it to all of their accounts. This was not hard. People assumed consumers were too stupid to do this without even giving the…
Until I can tell Grandma to "go down to Walmart and ask the man at the electronics counter for a Yubikey", we still have a few issues.
(No. Ordering online is *not* a valid option in this scenario. If I want to order a Yubikey to this address at this exact moment in time and space, Amazon won't deliver one to me for at least six days at the earliest, based on their rural delivery estimate. Replacing a key is basically impossible.)