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3) The first question you should ask yourself is: "how sad would I be to lose these funds?" Spend as much attention as makes sense given the cost a) "lol who cares": username/password, stick in password manager; or log in with google/etc.; whatever.
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4) b) "eh I'd rather not but I'd be ok": username + secure password, ideally + 2FA but not the end of the world. Use a secure password and a password manager. c) "I'd live but that would really suck": username + secure password in password manager; authenticator 2FA
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