No, the problem with NIP-07, NIP-46 and NIP-42 is that all of them require signatures. Requiring a signature comes with the burden of key-management. Either your app accesses keys directly (unsafe) or you use a signer / extension (friction).
With this using npub.cash becomes as easy as operating a single nostr client. No additional software required.
NIP-46 and NIP-07 logins are still possible. OTP is not mandatory, but complimentary