my hardware tokens are locked safely at home or in the company office (to manage accounts for work), and only taken out when i need them.

the phone i carry always around. the risk if loss or theft is always lingering.

my wife just dropped her phone. it crashed. took 5 minutes to boot, i guess a filesystem check after the crash. it could have died completely too. my previous phone stopped working because of a botched update. we had a phone stolen...

there are just to many uncertainties to trust a single portable device.