You can lose hardware tokens in the same way you lose a phone? Then you’re just as screwed? This isn’t a hardware token versus passkey problem. It’s a problem

You can lose hardware tokens in the same way you lose a phone? Then you’re just as screwed? This isn’t a hardware token versus passkey problem. It’s a problem period if you store a piece of vital data on a physical device. You can lose it, period. The only way to restore that piece of vital data is to have a backup. To have it restorable from any connected part of the world with complete loss of your personal artifacts, either you need an very trusted intermediary that you can contact or you need to store it somewhere Internet-accessible, preferably encrypted with a key that you can remember. It’s an information problem.