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".
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Replying to @pedramamini @thegrugq
Uhg please no. People's needs and threat models are different. This is same kinda crap as insurance companies offering "discounts" for wearing a fitness tracker.
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So you don't want a second factor for your credit card login? I don't see why encouraging people to increase their account security is a bad thing.
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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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Replying to @RichFelker @deppaws and
It’s actually likely to be a significant cost savings for the company. Fraud claims can be time consuming to investigate, may turn into lawsuits, and may not result in recovery of funds. 2FA is likely to significantly reduce, but not eliminate, amount of fraud.
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Replying to @ValidHorizon @deppaws and
Absolutely. It's a cost savings to the company at the expense of the customer.
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Replying to @RichFelker @ValidHorizon and
This is absurd. Zero benefit? Seriously? Have you ever had to help a non-tech savvy user recover from an account compromise, especially one involving a bank account in which money gets stolen? Plenty of time wasted recovering from it and unnecessary stress added.
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Some users will benefit. Others most certainly will not. Even if they would, whether the reduced risk of account compromise is worth the increased risk of not being able to login when you need to is specific to each person.
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