Earlier quoted context omitted.
Have you tried Authy? How does Duo Mobile compare to that?
Authy is much more complicated to setup compared to Duo. In my TFA app experiments quite a few people had problems with the setup process (failing to complete it in several cases). They were pretty technical people too, which says a lot about Authy's usability...
Unfortunately, security is one of the few areas in which 90% isn't "good enough" - all you need is one point of failure for an entire system to get compromised.