Xous (microkernel OS for Precursor) has an application called Vault that does FIDO2/U2F as well as password management and USB HID emulation.
https://www.crowdsupply.com/sutajio-kosagi/precursor/updates...
Much more on the dev board side and probably overkill for just this purpose but a really cool device.
Interestingly, Pinephone is in the almost good intersection of hackable and portable: :)
Once the unwashed masses start coming in, the software and its interaction patterns pander to the lowest common denominator and the quality of the medium degrades.
Pandering to the masses would be in the form of specific desktop environment, and maybe specific distribution integrating it well with all kinds of desktop software.
Nothing would change for the existing users of obscure software, hackishly stitched together.