These scenarios are getting into some Mission Impossible level threats.
Most people use their phones most of the time now, meaning the MFA device is the same device they're using.
Of the people who aren't using a phone, how many are using a laptop with a built in keyboard? It's pretty obvious if you have a USB dongle hanging off your laptop.
If you're using a desktop, it's going to be in a relatively secure environment. Bluetooth probably doesn't even reach outside. No one's breaking into my house to plant a keylogger. And a wireless keyboard seems kind of niche for a desktop. It's not going to move, so you're just introducing latency, dropouts, and batteries into a place where they're not needed.
Long, random, unique passwords are phishing resistant. I don't know my passwords to most sites. My web browser generates and stores them, and only uses them if it's on the right site. This has been built in functionality for years, and ironically it's sites like banks that are most likely to disable auto fill and require weak, manual passwords.
I mean, both can be true at the same time. I have to admit that I only use MFA when I'm forced to, because I also believe my strong passwords are good enough. Yet I can still acknowledge that MFA improves security further and in particular I can see why certain services make it a requirement, because they don't control how their users choose and use their passwords and any user compromise is associated with a real cost, either for them like in the case of credit card companies or banks, or a cost for society, like PyPI, Github, etc.
Most people use their phones most of the time now, meaning the MFA device is the same device they're using.
Of the people who aren't using a phone, how many are using a laptop with a built in keyboard? It's pretty obvious if you have a USB dongle hanging off your laptop.
If you're using a desktop, it's going to be in a relatively secure environment. Bluetooth probably doesn't even reach outside. No one's breaking into my house to plant a keylogger. And a wireless keyboard seems kind of niche for a desktop. It's not going to move, so you're just introducing latency, dropouts, and batteries into a place where they're not needed.
Long, random, unique passwords are phishing resistant. I don't know my passwords to most sites. My web browser generates and stores them, and only uses them if it's on the right site. This has been built in functionality for years, and ironically it's sites like banks that are most likely to disable auto fill and require weak, manual passwords.