My argument is that the practice of storing TOTP in the password manager app undermines the very essence of two-factor authentication (2FA) and is essentially "1FA" in disguise.
Putting both the password and TOTP in the same password manager is not 2FA, that's still 1FA in my opinion - much like locking a box and hiding the key under the same box.
UTF-8 is a brilliant design — it can represent millions of characters from different languages and scripts, and still be backward compatible with old systems that used ASCII.
