That only works for stuff that almost doesn't matter, and certainly doesn't matter to me.

Banks, the IRS, other dumb fedgov BS all use the crapiest forms of 2FA which all ties into KYC and are also not good from a technical standpoint. Plus, all 2FA requires a you to have a device attached to you and unless you go to really effing great lengths, you can be located by location tracking methods. It's just an awful system that shouldn't be used. Yes, I get that there are better ways to do it, but, they don't apply to use cases I'm most concerned about.

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Oo yes, governmentts clearly aren't known for being up to dayt with technology (wile in connection with the population, military and spying is different)

But again, i don't think the 2FA is the weak link in the trackimg/privacy side of things

Especially when you're talking of government stuff like IRS or Banks, they have "all" the information on you anyway

I assure you that they don't. 😎

But they do have enough to try to lock me up. 🤷‍♂️