> That's not as I understand it. Why would SMS OTP be used? 100% of accounts today will already have a password, that's how you would login if you lose your onl

> That's not as I understand it. Why would SMS OTP be used? 100% of accounts today will already have a password, that's how you would login if you lose your only passkey device. If we continue to do this, don't we then still just have all the same problems with passwords?