Earlier quoted context omitted.
MFA doesn't necessarily mean "1 person = 1 account". TOTP codes can be shared, there can always be copies of the certificates, multiple security devices added to the same profile, etc. It differs from case to case.
Which as I say, all depends on the provider implementing these extra options, in a way that the layperson can use. To me, TOTP means 'Top Of The Pops', I had to Google your acronym! How is Grandma Alice going to be able to manage these extra steps? - It's already taken over 20 years to convince people that 'Password1' is not a good password.
“Scan this barcode then enter the six digit number from the app; we’ll sometimes ask for the number when you log in” isn’t particularly onerous - 1Password for example will insert your one time pass along with your password so in some cases there isn’t even an extra step to log in. I’d be more worried about people losing/wiping phones and getting locked out of their logins - who needs those backup codes, right?