| The why is obvious. People will lose their 2FA. It's a fact of life. Lost keys with your yubikey. Broken phone without a backup of your totp. Etc. After that, how do you prove that someone owns their account? Send a photocopy of your passport? No way to edit a picture, right? Answer some security questions, which you certainly forgot the answer to. And people are likely using the same questions with the same answer on many sites. Tell them tough luck? The problem is there isn't a good answer for the most common failure mode. SMS 2FA isn't perfect, but it is accessible to nearly everyone and delegates ownership proof to the telephone company. |
It's a nice and smooth process.
Businesses could also use the German government ID, which has a chip with cryptography functionality built in.