[normie3000]

Does it also let you unset the limit?

[tonyedgecombe]

When you are at home. Also you can print a QR code which you can use when away from home.

[RandomBacon]

That reminds me of the effectiveness of texting codes as MFA, when the password can also be reset by texting a code...

Those services just have SFA (Single Factor Authentication): the cell phone number (which can be stolen remotely by social engineering).