"Personal opinion" hat on:
multiple factors do not provide perceived user benefit. They benefit the party who is providing service and exposed to risk.
The old Battle.net authenticator made it harder for my account to get hacked, sure. But I had a process, involving real people behind the scenes at Blizzard, to recover from that hack.
They didn't create the authenticator as a measure of altruism to users; they created it because hacks are expensive. This is why they would regularly reward users for enabling the authenticator with various items/DLC.
Now the reality is that if I get hacked multiple times, they may refuse to restore my account. They might not be able to restore my account with available information, or it might take ages due to a large scale attack (such as someone managing to deploy a key logger via zero-day browser exploit, if we are speaking to personal experience).
Services have good reason to not trust users to have good password hygiene - most do not, and breach lists only go so far to help alleviate the problem. SMS is expensive, but even sites with lower security needs use it because the alternative of recovering user accounts is more expensive.
> All factor-types can work in ways that complement eachother. Removing or at least weakening passwords is not a good way forward, we need to work on fusing all the factor-types jnto a single strong 3-factor auth.
This is likely not going to happen for anything outside of government use cases.
Biometrics on most consumer hardware are a "shortcut" for a cached knowledge factor, like a device unlock PIN on boot. They cache the knowledge factor because entering passwords constantly is a lousy experience. Likewise, changing a device biometric to match other people can be done with just the knowledge and device possession factors.
Maybe one day we will have embedded neural hardware which will transparently meet all three factors, or maybe there will be really clever solutions with all-day VR hardware, but today's consumer hardware doesn't support three factors, because the biometric factor is just an extension of the knowledge one.