What phone app? If it is the security key , I didn't know it was free. What if I don't have a cell phone? I do have an iphone, but how did you know that?
If the security key is free on the iphone and I don't have to pay for it, then I may download it.. but that doesn't keep this new system from being annoying.
Dude.... free app for your phone. What rock you been sleeping under???
Once you add a security key, you won't get the one time passwords anymore.