[dabockster]

Probably can't be cloud based then. I would never trust one single entity online with that much information about myself.

>inb4 Equifax

I have no control over what they do. Sad, but these are the times we live in. However, users should have control for the above idea.

[brucephillips]

Password reset functionality effectively gives this universal access to your email provider.

[craftyguy]

Not for services that enable 2fa.