If we can get to the point where a hardware key is universally accepted at all of the major places older people commonly use then I think it will be an easy sell. Showing someone how to open an authenticator app, scan a barcode, name it correctly, then later re-open the app to find the correct code (which is periodically expiring so they need to do this all relatively quickly) in ADDITION to their normal password ( I see so many of them either put the code in the password field or some other combo ) is actually quite a few steps. And once you get a ton of authenticator codes inside the app it can get confusing which is which unless you name them all carefully.
Telling someone "plug in this physical key" is a hell of a lot easier and so much more similar to what they are used to.