There are many reasons not to use them these days for many people until services get their heads out of the ground and start getting serious with support. I'm willing to put up with some of it and pay the cost of multiple keys(as you should have multiple in a proper set up) but if I find it a pain in the ass, how can I expect the avg person to deal with all this mess and added cost.
Many services force you to have weaker 2FA on AND bypassing the key is as easy as selecting another 2FA method at sign in with one click, some only let you register one key. Yubikey support can be only OTP/TOTP which adds complexity and cost to otherwise just using an authenticator app and any support at all is hit or miss. You can't just plug in a Yubikey to an iPhone without an adapter unless you want to use the $70 5Ci and the app has to individual support it. You can't use a 4 with Microsoft account on windows 10, has to be 5(FIDO2), 4 brings out prompt that says key is not supported.
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