It sucks Yubikey (or other hardware based auth) isn't more prevalent in the financial/banking world. It helps mitigate a lot of types of attacks:
- No tokens to exfiltrate off a computer
- Avoids keylogger style attacks
- More durable than cell phones
That said, for people that have high amounts of money in certain accounts (> 1m), it might also present physical dangers (e.g. kidnapping, home invasion) for thieves attempting to get access to the hardware key.