Huh? We're not asking random grandparents to implement TOTP, only to use it, and that's necessary for a lot of basic remote work and so on these days.

I clearly said "using" not "implementing".

Hence my "Huh". Everybody working in my team uses TOTP if they don't have their own Yubikey which most do not. Most of them aren't close to as old as I am, but some are indeed grandparents, it's like if you were astonished anybody over age 40 can type.