Here in Germany you either get some username and password in person, setup an app for 2FA, or sometimes you get two different letters (one with the username and

Here in Germany you either get some username and password in person, setup an app for 2FA, or sometimes you get two different letters (one with the username and another one with the password). I guess so that it is slightly more difficult to intercept both. For a few services if you forget the password you get the letters again.