[midasuni]

You use the word “forced” like it’s a problem? I hated it when my bank got rid of a nice secure card reader (which required my physical card and pin).

If my phone breaks or is stolen, I can’t actually buy a replacement phone now, as that requires spending money, which requires 2FA which requires my phone.

[landemva]

Keep a few dozen $100s on hand for when payment networks glitch out.

[nvm0n2]

You don't have a contactless credit card from your bank?

[midasuni]

Can’t use it online with 2FA from phone