[deckard1]

2FA goes one of two ways:

1. You increase the risk of losing your entire life (if 2FA is properly implemented and avoids all social engineering process risks)

or

2. The 2nd factor devolves into a 2nd way to get access to your account

You really can't have both security and convenience.

> wiped their phone that had an authenticator app

try this one: battery dies in an iPhone. iPhone won't boot until battery is replaced. Battery can only be replaced at an Apple store. 2FA: do you feel lucky, punk?