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Most people have only their phones, which can also break. But some people only start thinking about that stuff when they look at alternatives like the Yubikey. > they can just break when plugged into a laptop that takes a dive So can the laptop at a conference. Or anything else really. I just remove my Yubikey after use and carry it in my wallet when not in use. Sure, I can lose my wallet, but I have multiple back-up…
In normal life losing access to your phone won't lock you out of everything. You still have all your other devices you can use AND you can always just walk into store and buy yourself a replacement and download your phone back from a backup. Same with laptops. If you go to a conference and your laptop breaks. You can just go to nearest store and buy a new one. It will take couple hours, but you'll be up and running a…
If you lose it while traveling and have a backup at home you can likely have someone overnight the backup to you in pretty close to 24h. You also only lose access to stuff that requires the key every time you access it, all but the most sensitive services will keep you logged in without the key for a period of time.
> Wallet is the best example. If you lose your wallet you need to kill your credit cards and get a new ID. However this does not lock you out of anything. You can go to your bank and take out whatever amount of money you need
In the US at least you’ll find the bank wants to see your ID to let you withdraw cash, and businesses are becoming less friendly to paying cash. Though, like a security key, many people have a spare id at home in the form of a passport.