Just use the yubikey for when you are transferring money.. 65000 xfers is a ton of transfers if your doing that many you can afford to buy another one, lol.. We dont need the yubikey to log in. Just to do important stuff, like money transfers.. Since that is the issue here.. Also, the 65k limit is how many times it inserted. So, if you leave it in your computer all day and use it multiple times, that counts as only 1 out of the 65k.. Still if you use it 10 times a day, that key will work for like 18 years.. So, as long as you keep it plugged into the computer it only counts as one key and that will extend its life..