This is a very tech savvy opinion. Consider Grandpa, nervous about getting his first device, hearing that Macs are friendly, and then being faced with this decision. People who are not familiar with computing are often terrified of screwing it up.
Grandpa also needs to do his banking online, his taxes, needs to manage his online identity, car registration, medical things.
Most of these have terrible, cruddy, confusing interfaces. In the grand scheme of things, a one-time crystal-clear popup list where all he needs to do is press the familiar "red yellow green blue" (Chrome) icon is not what is going to stress him out or undo him.
I was tempted not to respond, but honestly this comment makes me slightly angry. As someone who is young, and works on software this comment does not seem very worldly to me. Have you seen the US government, Japan, and other places struggling to still switch away from antiquated technologies? Yes, they are partially incompetent, but also there is a certain level of justifiable trust in the system working in its current form.
> Grandpa also needs to do his banking online, his taxes, needs to manage his online identity, car registration, medical things.
No, they don't. They can use paper, phone, and fax still (at least in the USA). One of my grandparent's did this until very recently (when they sadly passed away) for most things. I was at one point told by the same grandparent that the "the familiar 'red yellow green blue'" you so describe they suspected was a virus and they don't understand how it appeared on their computer. Another grandparent struggled with the concept of folders (as in file explorers), and when they first received their a phone would shut it down and then was confused on why it wouldn't receive phone calls. These people were successful and educated (they had gone to college and used their degrees in their professional life). They just don't care about technology and when Apple makes a choice for them on the default browser they are happy.
I don't know how it is in USA, but in EU, if you don't know how to use a phone as 2FA you are basically out of almost every bank. And more and more apps are adding it. TRy to login to gapps/gmail and you get a question if you want to setup a passkey or something like that.
