I understand that. I was responding to the idea that hardware tokens like yubikey, in fact all alternatives to passwords, are too complicated for regular people

I understand that. I was responding to the idea that hardware tokens like yubikey, in fact all alternatives to passwords, are too complicated for regular people to understand. And also saying that multiple options, to accommodate different people/scenarios, are fine and don't have to be complicated from the user's perspective. By way of analogy (admittedly I didn't make that very clear).