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How to deploy 2FA for a small business?
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Ask whether people are happy using the generator app on their phone, and provide phones to anyone who isn't comfortable with using their own device for that.
You'll probably end up with two or three authenticator apps, since some sites want to have their own app instead of using TOTP.
What about using a password manager to store 2FAs for apps and websites and then a security key for the password manager 2FA?
I'm not too happy with this solution. Not extremely bad, but technically, both password and the second factor are stored in the same place, which makes this similar in security to just using a long, random password with a password manager.