It just irritates me how many financial institutions either don't support 2FA (I'm looking at you, Amex) or only offer either SMS or (yes, really) email as the

It just irritates me how many financial institutions either don't support 2FA (I'm looking at you, Amex) or only offer either SMS or (yes, really) email as the only way(s) to protect your account. Vanguard recently required that all accounts be "secured" via SMS, and I was dismayed to learn that Nest (of all companies) didn't even support Google Authenticator -- the only option with Nest was to use SMS as well. It just seems like a losing battle at this point.