Maybe the language in setting all those up should be very upfront with the benefits they provide. Or even proactive emails and large dialogs about doing that. P

Maybe the language in setting all those up should be very upfront with the benefits they provide. Or even proactive emails and large dialogs about doing that. Perhaps it should be like those sites heavily suggesting 2FA if you've been a customer long enough. If there is a concern about noise, maybe the messaging for that should pop up in the GUI in a non-ignoreable way and start on accounts with a sizable spend or have existed for some time with activity.