A great example I use is there are a ton of restaurants and fast food places around me. I used to walk to get lunch every day but eventually had to stop, these places realized most customers went through the drive through so they closed the lobby. Now even though this place is a 5 minute walk from me, it's no longer accessable if I'm not in a car.
Same thing with my TV and Router, both of which required an app to just setup. The TV required an internet connection to "activate" and I realized that if some family saved up and bought this TV but didn't have an smartphone or internet connection, well they just bought a $500 brick.
And that's why authentication standards like FIDO scare me. To me it almost seems that the standard was written by a bunch of out of touch tech bros thinking to themselves: "Well of course EVERYONE has a phone these days"