I use an old Google Titan key, not the bluetooth model but the regular one, as my backup (it was my primary) and a Yubikey 5 for my primary. I like the peace of mind that they give me that no one can steal my password and login to my important accounts, but I found that certain providers only allow a single 2FA to be used, with no backup, so I don't feel good using them there (AWS, what the F?) and also I find that n…
Banks though, yeah they aren't good at this stuff. My safe† bank decided one day to completely up-end how logins work and almost locked me out. My good bank provide a very stupid, proprietary solution but at least it's an actual secure solution.
† Safe in that they're owned by the government, so, if they go bankrupt I have worse problems because now I live in a failed state. Big piles money of money sit in this bank because it's safe, but it's run by clowns who don't understand customer service.