The alternative would be they would have to answer on their phone (assuming they have an iPhone, which may not always be the case), then use handoff to get it on the Mac.
I actually don't know if Windows or ChromeOS support this either but this is certainly something Linux can with LUKS et. al.
Still a problem for me, and has been for years, but I may be holding it wrong. https://discussions.apple.com/thread/255929514?sortBy=rank
The solution posted in the discussion is not really secure.