I would avoid a Yubikey if I were homeless and someone could steal it or I could lose it.
Just stick your 2FAs in your password manager, like I do with Bitwarden. I secure it with a Yubikey, but if I lost my house, I would just remove 2FA from it. My bigger concern would be to get cut out, than people somehow guessing my master password.
SMS 2FA is always a terrible idea, homeless or not. It's honestly better to just go 1FA in that case.
Just stick your 2FAs in your password manager, like I do with Bitwarden. I secure it with a Yubikey, but if I lost my house, I would just remove 2FA from it. My bigger concern would be to get cut out, than people somehow guessing my master password.
SMS 2FA is always a terrible idea, homeless or not. It's honestly better to just go 1FA in that case.