They do it because they'd lose business by the metric ton if it was possible to irrecoverably lose access to your account. It's probably not even legal.. I wou

They do it because they'd lose business by the metric ton if it was possible to irrecoverably lose access to your account. It's probably not even legal.. I would bet it's not for a bank and if it's not for crypto exchanges it's only because of some legislative gap that hasn't been filled yet. Crypto exchanges aren't known for their well staffed support departments, either, and they'll reset your MFA even if you haven't provided them with income (you don't pay simply to have an account, only when you buy & sell).