> The odds that I lose a piece of hardware that I’m carrying on me seems orders of magnitude greater than the odds of having my password cracked. I 100% agree

> The odds that I lose a piece of hardware that I’m carrying on me seems orders of magnitude greater than the odds of having my password cracked. I 100% agree with you, but the counter argument I've heard is that "it's worse if someone else gets into your account than if you get locked out." This does make sense to me in some scenarios. Like, if the author of some core Javascript package gets locked out of their Github, they can't push updates to the package; if a hacker gets into that person's Github account, they can push malicious updates to said package. Better to be locked out! If this describes you, I think a Yubikey makes sense. Personally, I am not in this category!!!