So, we are agreeing? The keys aren't the problem, the engineers are. In this day and age, every device should have a digital keyhole (NFC, whatever) - and it s

So, we are agreeing? The keys aren't the problem, the engineers are. In this day and age, every device should have a digital keyhole (NFC, whatever) - and it should not take more than "insert or hold X next to Y". Re: "physical process": something tells me you didn't type this message telepathically. UX is a physical process, and 99.99% of the time, it's doing something with your hands anyway. (Alexa/Siri/OK Google are a different beast). If every other phone can have a fingerprint scanner, it can have something for actual keys too. Moreover, imagine this: your devices could have built-in hardware keys that you can register with your bank/etc should you desire that convenience. Still proper 2FA: your phone number is just an account, which is at the whim of your service provider, but your device is something you have.