Average person reluctantly moves from 123456 to P@55word!
8 years ago "no passwords such, use a pass phrase"
Average person reluctantly moves from P@55word! to correct-horse-battery-staple
6 years ago "ok but you need to use different passwords on each site"
Average person reluctantly moves to different passwords per site
4 years ago "but you can be phished, you have to use 2FA"
Average person reluctantly moves to SMS
2 years ago "no in some countries it's easy to take over SMS, use TOTP"
Average person reluctantly moves to TOTP
Today "no TOTP is rubbish, you can be phished, use this hardware authenticator"
Normal people don't like new shiny ways of working every year or so. My house's front door lock is broadly the same interface as my great-grandparent's front door lock, but technologists think changing the way things work every couple of years is acceptable.