I agree. I have several accounts with a major bank for 8 years, and have not had to change my password or do 2 factor authentication except when I change computers! It knows when I or someone is trying to sign in from a computer that is not MINE exclusively. And, just to type a reply to this message, I had to go through the process AGAIN. Every body has their own level of security concerns. I don't carry a gun... others do. I don't need 2 factor authentication. ALLOW ME TO DECIDE!
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