Probably people would struggle to scan the QR Code with their smartphone. I think most apps can scan it from a image but obviously this would be unsafe, especially when people sync their screenshot to the cloud.
I can 100% confirm totp exist for PayPal, because I’m using it.
A service brought you by a human (usually I see bots do this): !i2p@lemmy.world
Its so you can stay on your instance and your viewer.