Oh come on, why are they..

[Hulan]

Depending on your phone, you can get a token generator for free from Square Enix. I know there is an iOS version, and I believe there is an android version. Yes I am aware not everyone has smart phones and of them, not everyone has iOS, but it bares mentioning that there is a free solution out there for a lot of people that it seems like no one knows about for some reason. Having to use the app can be a pain, but I consider it worth the irritance to be 100% sure I will never be hacked (randomly generated private key on a second device is virtually impossible to crack, even with a key logger).

you can get one-time-password for free on your iPhone/Android
you can even get it on your PC via Android emulator, not sure if this one safe though..

It's not. The whole point of the one-time password is that it is on a different device than the normal password, making it more difficult (to impossible) to get all of the login information for a user. A clever program could break into the emulated version, find the encryption seed(s), and reproduce the generator.