tl;dr:"Imagine… last night, lightning struck our house and burned it down. I escaped wearing only my nightclothes. In an instant, everything was vaporised. Laptop? Cinders. Phone? Ashes. Home server? A smouldering wreck. Yubikey? A charred chunk of gristle. This presents something of a problem." Terence discusses the issues with 2FA, especially when "when things are secured by an unassailable algorithm" instead of a human.
tl;dr:The current web paradigm places web browsers as the access point for users to get information. In the near future, we'll see a diversity of user agents and devices (e.g. cars, microwaves, etc...) pull information straight off of web pages.