HSBC used to distribute hardware keys to its retail customers just a few years ago

These keys eventually stop working, need a new battery, etc. Instead of the onus being on the customer to "pull" a new one of these keys, it would be better if you "push" them ( mail a new one proactively every January 1st, give a $20 one-time service credit for activating it, and $5 a month credit for continuing to use it )

I had a hardware token for paypal 20 years ago