App-based authentication assumes that you have your phone at hand always. But I don’t and won’t. The primary alternative is a hardware key, but then you have to keep that key at hand always, and I would definitely leave it in yesterday’s trousers and have to dig around in the dirty clothes for it. I could keep it on my key ring, but then I would have to carry that with me at all times. All of these “security solutions” suck.