It provides good security for most people and is a big ease of use trade off. Hardware can be lost, software is difficult for most people to install and use. Yo

It provides good security for most people and is a big ease of use trade off. Hardware can be lost, software is difficult for most people to install and use. You need solutions that account for 95% of people. Ideally there’s non SMS for the other 5%, but unless Apple/Google/telcos come out with something better that’s built in, integrated, and dead simple, we’re stuck with SMS for a long time. Security is a spectrum.