Comment by mazone
PCI DSS from 4.0 actually have something called customized approach for everything. If you can prove and the QSA agrees that you fullfill the goal of a requirement, you can be quite flexible. Example i am doing things like not using passwords at all and only passkeys, or only ssh keys protected by hardware security key etc. Together with agents trying to verify the devices connected are company owned and hardened in different ways. Your milage might vary depending on how good your auditor is but PCI DSS standard do have quite a bit of flexibility in it.
Presumably at some point in your environment you are doing MFA? Just not at every step?
Ie If someone broke into your office, opened computer, inserted the hardware security key, would they get in? Or is there something else non-physical going on? Like the initial login is password + security key, and you can demonstrate the ssh keys never leave the secured PCs etc.