Most of those tools suck. For instance I got a yubikey which has numerous flaws (not quite a regulation USB device), but the one that "EOLed" it was that the hole to attach it to a keychain wore away. A 0.25-cent nylon washer would have fixed it. Fortunately I was able to recover the yubikey rather than lose it, but it isn't on my keychain anymore.
Banks and other high-margin organizations can afford heavy reset and recovery processes. Companies like Google where customer service is "talk to the hand" can't and won't.