The cache-less society is no different, it's just the bandits that has changed. And it's for protecting the banks money, not your money. Paypal has always been

The cache-less society is no different, it's just the bandits that has changed. And it's for protecting the banks money, not your money. Paypal has always been on the consumer side though. Not trying to make an excuse for all the horror stories, just some advice: Make sure you have backups/exports of the 2:nd factor keys so they can be imported when lost. For example print your password and store it on one location, for example in a safe, then print the 2nd factor key/export (QR code, or backup codes) and put it in another safe/location. Or make several copies and store on many safe locations. And don't forget to TEST YOUR BACKUPS on regular intervals to make sure they work when that day comes.