the 6 digit code ones really aren’t that big of a deal, you just whip out your phone and open an app

Until you’re in tough times financially and your phone company cuts you off, permanently locking you out of every account with SMS 2FA! This actually happened to me, and there was nothing I could do about it, unlike phishing and shoulder surfing, which are easily within my power to prevent.

I’m not going to use digital currency or a digital ID so that I’m protected from myself.

I am so fucking tired of entering a password, then a code I got by by text, so I can set up an authentication app and register my physical auth key. Why can’t I just use a different strong password for each service, same as I have for the last 30 years without getting hacked.

You should be allowed to opt out of this bullshit if your password entropy is high enough.

Really the lesson is, don’t run a business that 100% depends on another company.

Come on, this is silly. You can disagree with it politically but technically it would work fine. I already have a digital ID issued by the government for doing online tax returns. Validating a social media account against that ID would be no more difficult than letting people sign in with Google or whatever. There will always technically be a way to get around it but 99% of people won’t bother.