I agree it's a lot to ask. But I think it's better to demand extreme security considerations from users and fall slightly short in practice than to encourage any practice that improves account security beyond a single password (e.g., SMS codes).
One frustrates users and makes them abandon 2FA, the other (IMO) encourages some complacency and makes it harder to justify changes to users (especially ones that are really great from both UX and security perspectives, like WebAuthn).