U2F is a good addition, but the current incarnations suffer from two issues.

First, most of us need access to our phones (no USB reader) and our computers (no NFC). Yubikey have a combo device, but it costs $50.

Second, they cost way too much given that most of us probably need two or three tokens in case we lose the primary one. $50 is fair enough for employees of large banks, but until they cost under $5 I doubt they'll take off for personal use.

If anyone knows of good value combined USB/NFC tokens, please enlighten all of us.