Account Protections – A Google Perspective
elie.net
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Isn’t that the case with Google account also?
Regarding security keys, actually it depends: if you are enrolled in advanced protection no you must have two security keys and we don't fall back. For normal users that is the case yes. Until phone as a security keys is widely used and security keys are main stream the no fall back option can't be the default but hopefully we get there :)