this post was submitted on 16 Mar 2025
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Nah, any decent password manager or security application can manage multi-factor security credentials of any kind without failure due to phone loss.
Password authentication is beyond primitive by offering too many avenues of attack: the full secret is transmitted & shared. Passkeys, client certificates, OTP don't transmit the secret key. Passkeys & client certificates authentication never share a secret key, so the server can't expose it.