A TAN generator or security key stored in a drawer at home. At least it reduces the opportunities for theft since people don't carry these devices with them all the time as opposed to their phones. Opportunity makes the thief.

Idk how this would play out, they might force you to go get that

if i have to use it every time i want to make a payment, then i have to carry it with me,

Yeah I often think the issue with cash and crypto is that it can be easily forced away from an individual by any sufficienty armed and unscrupulous party. Money in a financial institution tends to have an upper limit on what could be forced away in a single act, or at least a single transction cycle.