When they target me, which happens, it doesn't work because of WebAuthn.

Buy a Security Key. If you think you might lose it, buy at least two more. For critical sites like GitHub (which was targeted here) set up your Security Keys and get into the habit of relying on them. It's the same philosophy as Rust itself, machines are really good at diligently performing a simple task, so don't leave those tasks to human vigilance, that is a foolish misallocation of resources.