Gregory's ServerFree one-time code authenticators *should* be built into every phone. They *should* be enabled on the default keyboard. They *should* be securely backed up to an end-to-end encrypted account. If Google/Apple did this, adoption would be high.
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@matthew_d_green It also *should* be an open standard with libraries freely available in all platforms, and *should* be platform- and vendor-independent.