I would wager the number of people in the US with a smart token (I’m assuming you mean something like a Yubikey, ≈22M worldwide, most users have two) is probabl

I would wager the number of people in the US with a smart token (I’m assuming you mean something like a Yubikey, ≈22M worldwide, most users have two) is probably close to 1:1. I would also wager the number of people with dumb phones are close (but not as close) to those having computers without any biometric capabilities (and if they have them, they’re not set up).