> If I am using a hardware security device,why do I need any other form of authentication? Hardware breaks. Hardware is easily stolen. Hardware-to-hardware i

> If I am using a hardware security device,why do I need any other form of authentication? Hardware breaks. Hardware is easily stolen. Hardware-to-hardware interfaces require compatibility. You will probably respond, "but USB". To which I will say, "but BLE. but NFC. but data-over-audio ala square". No security is perfect. When a hardware flaw is discovered, or comms technology changes, you have to buy new hardware. If it does break or is stolen, how will you recover your account? This is not trivial.