[phyphy]

> TOTP

Cannot count the number of times I have fomatted my phone and had to beg support teams for access to my accounts. I like to use custom ROMs and I cannot afford another phone just for TOTPs. I hate TOTPs. so much.

[gumby]

My password manager mamages the TOPS keys along with the other protected data.

[mooreds]

Which, frankly, would scare me. Unless you know how it is implemented under the hood, you have combined factors.