This is yet another security measure that completely ignores the real world and will become yet another security measure that gets ignored. People lose credent

This is yet another security measure that completely ignores the real world and will become yet another security measure that gets ignored. People lose credentials all the time, from social security cards, to drivers licenses, and passports. Say a natural disaster hits and your laptop with Yubikey gets swept away in a flood? Congratulations, you're hosed! Individual people do not have the resources that a financial institution has. Getting people to adopt unique passwords is already an incredible hurdle, getting people to treat a hardware token literally more carefully than their social security card is bizarrely out of touch with reality. As for me, I use Keepass to store my Passkeys. I use a password and Yubikey to secure it. The Yubikey has the same exact private keys set as 2 others, so I can keep 1 on my keychain, 1 in my safe, and 1 at a relative's house. And even this would be an unreasonable effort to expect from the majority of people.