I hope both will exist, because I want to use passwords. Each month I regularly log into many accounts and can remember the password to each. They are mostly

I hope both will exist, because I want to use passwords. Each month I regularly log into many accounts and can remember the password to each. They are mostly 16 characters or more in length and all different and regularly changed. Why would I swap that for a system that fails if I lose my phone or hardware gadget?