[tibiahurried]

> you even get rewards if you choose better security

Service providers should know better than their users and make the best choices for them.

It is not like when you buy a car you get to choose whether you want airbags or not. They decided for you, and you must have airbags, period.

Users, on overage, do not posses the knowledge to make the best decision when it comes to security.

They go with the least friction solution. SMS works great everybody know how they work.

So, yeah, the burden and responsibility should not be on the end user. This is clearly companies' fault.