It would be faster if a password manager is used with browser plug-in.
> It forces me to have a smart phone
Not if we're talking about TOTP. The information for that can be stored in a password manager.
> Or couples online with offline
Not if you use a password manager.
> it can be replaced with other solutions
TOTP + password manager is more convenient (and more online) than yubikey, in my opinion. Especially convenient with a browser plugin.
My chosen pm is KeePassXC, would highly recommend.
One caveat: I hate non-TOTP MFA. It's either proprietary lock-in or less secure.