There needs to be industry and government leadership on this to gradually require hardware token usage, for at least critical financial and government applications. Right now everyone is putting their energy behind passkeys, but those are much harder to understand than a physical token. I don’t know any non-technical people who understand how passkeys are normally tied to the device (or the manufacturer-provided cloud account in some cases), how to set them up on a second device, why you might want to do that, etc. And many technical people still don’t get it either!