this post was submitted on 15 Oct 2024
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Yeah and since Online bank accounts can also almost always be reset if you lose the 2FA/MFA key by calling customer support, or going to your bank and speaking with themt in person, there's almost no risk of losing access completely. It's a service you have access to because you're you. Something that isn't the case with Reddit, Github, Lemmy accounts, or Masotodon. I'm not able to regain access after losing those 2FA solutions by virtue of being myself, they treat you just like the attacker in those cases. Really not worth it there, both since what is being protected isn't worth it, and the risk far outweighs it.
Access to my main email account (outlook) is currently blocked because someone decided to try a password from some earlier leak and locked it. It can only be unlocked with SMS MFA, which I can't use because I'm travelling abroad. There is no other way to do it. The other option they give you a form that only works if you don't have MFA set up (it says so on the faq). I even asked someone to fill the form from my home computer so the location data matches earlier accesses, but didn't work. You also can't contact support without logging in. If I had lost/changed that phone number for any reason, I would lose access forever. Luckily I will be back home soon.
I had a similar scary situation like that before where the phone number linked to the account wasn't mine anymore. Luckily I was able to get back because I was still logged in on another computer and it hadn't kicked me out yet, I was able to go to account settings and remove the phone number, then google let me log into the account again. Had I been kicked out of the account, I would've lost it for sure.