If your laptop get stolen (with Yubikey in it) you only loose one of your TWO factors. So the thief does not have access to your account since they don't know y

If your laptop get stolen (with Yubikey in it) you only loose one of your TWO factors. So the thief does not have access to your account since they don't know your passwords. Also, if a user can't learn how to operate a Yubikey after 10 minutes I don't think there is anything that can keep them safe online.