As op, yeah I'm actually with you on this.

And at the very least, 2FA should be a much more "openly open standard." Which is to say, just do TOTP everywhere, let people have their initial generating key and be done with it.

I generate mine from my computer when I can, but I'm surrounded by all this magic that implies that something different is going on, e.g. the Duo system which I'm forced to use by my job and doesn't make this sort of thing easy, if possible at all.