[ineedasername]

Phone companies are guardians of our our accounts with them. The absolutely bear responsibility if poor security or loopholes allow someone to gain any sort of access to our accounts. Security and convenience are often a trade off. Clearly service providers are not properly judging where that balance should be.

[Eridrus]

Sure, to a point. But the right costs and trade-offs aren't the same if you're protecting your spotify account vs millions of dollars in cash.