In a wonderful cybersecurity move that should be replicated by all vendors, Google is slowly moving to make multi-factor authentication (MFA) default. To confuse matters, Google isn't calling MFA "MFA;' instead it calls it "two-step verification (2SV)."
The more interesting part is that Google is also pushing the use of FIDO-compliant software that is embedded within the phone. It even has an iOS version, so it can be in all Android as well as Apple phones.
To be clear, this internal key is not designed to authenticate the user, according to Jonathan Skelker, product manager with Google Account Security. Android and iOS phones are using biometrics for that (mostly facial recognition with a few fingerprint authentications) — and biometrics, in theory, provides sufficient authentication. The FIDO-compliant software is designed to authenticate the device for non-phone access, such as for Gmail or Google Drive.