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.