alt Hacker NewsRequiring "tokens" stored in "trusted modules" and 7-factor-auth for everything is not progress, it's theater. The biggest achievement of the security orthodoxy was locking me out of my email, by requiring me to read a code sent to my email to log into my email.
I -- literally -- do not care about a single "account" in any "service" I use aside from my email and bank account. Most people would add a few social media accounts to that list.
You don't need a "place to put secrets". Your iPhone app does not do anything important enough to require a "trusted chain" of cryptographic bullshit, just use a password and Google/Apple login.
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What about Apple Wallet?
The reality is that there is software dependent on the user being unable to modify it. This safeguards the server against fraudulent users.
Your accounts are valuable, even if they're not valuable to you.
An old account with typical activity patterns can be extended some level of trust. If you sign up for an email address and immediately send a message with 100 recipients in CC, you're probably a spammer, so you get blocked. If you've used the account for years, ehh it's probably invitations to your high-school reunion or a donation drive for your Church, let's let this one through.
You can only extend this level of trust if you prevent your gullible users from constantly getting hacked; 2FA is one way to do that.