> With security key if you lose it you lose access immediately to your stuff and you probably can not get a new one with in 24 hours even if money wasn't an iss

> With security key if you lose it you lose access immediately to your stuff and you probably can not get a new one with in 24 hours even if money wasn't an issue. If you lose it while traveling and have a backup at home you can likely have someone overnight the backup to you in pretty close to 24h. You also only lose access to stuff that requires the key every time you access it, all but the most sensitive services will keep you logged in without the key for a period of time. > Wallet is the best example. If you lose your wallet you need to kill your credit cards and get a new ID. However this does not lock you out of anything. You can go to your bank and take out whatever amount of money you need In the US at least you’ll find the bank wants to see your ID to let you withdraw cash, and businesses are becoming less friendly to paying cash. Though, like a security key, many people have a spare id at home in the form of a passport.