Random thought... any service with bonus/reward points (credit cards, banks, airlines etc.) should offer extra points to users who proactively increase their security posture. For example: "Enable two-factor for an additional 2,000 Delta miles".
I don't want to be unable to login when my phone breaks or can't get signal.
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Good point! But that's why there are usually recovery codes you can print out / store somewhere safe.
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Lots of inconvenience and risk of loss for zero benefit.
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Not all two-factor is based on SMS. Some fall back through e-mail. Some are clever and provide notifications on multiple devices. There's a variety of solutions in the field and undeniable value to two-factor. Look at the rapid growth of
@duosec and general widespread adoption.
End of conversation
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