TOTP is globally available, but does not have an established way of recovering your key if it's lost. ("Little excuse" or not, people will not back up the key or print backup codes.)
While if I lose my SIM card, I'll walk to one of my operator's shops (there's probably one within 1km), show them my ID, and they'll replace the SIM. It's the only digital identifier that I could bootstrap from if I lost access to everything in one go.
While if I lose my SIM card, I'll walk to one of my operator's shops (there's probably one within 1km), show them my ID, and they'll replace the SIM. It's the only digital identifier that I could bootstrap from if I lost access to everything in one go.