How to Control Display Settings for FIDO and TOTP MFA Authentication per User

[SotaT]

I understand that email and SMS can be controlled by creating policies. However, policies cannot be created for FIDO and TOTP. Does this mean they cannot be controlled by default?

[SotaT]

@Ambuj Tripathi @kaushal_snow 

For example, is it correct to understand that it's difficult to display only email-based OTP as MFA authentication for specific users? Is the basic concept TOTP plus something else?