Um...isn't that the point of the fob? It's supposed to make difficult for someone to hack your account unless they have the fob every time you log in. After all, your account can be hacked via the game log-in or on the website.
I feel it's a great idea to have. Most corporate businesses use something similar for any of their employees that carry laptops with sensitive data. I have mine attached to my keys. When I'm at home, they're not close, but I'm not a billionaire, so they're always close enough to take 30sec to bring the code up and put it in.
That's just my two cents though.