That is true and consistent with what I've seen. However way too many IT policies Will rely on phone sms 2FA, such as Wells Fargo Sometimes people just like to

That is true and consistent with what I've seen. However way too many IT policies Will rely on phone sms 2FA, such as Wells Fargo Sometimes people just like to watch the world burn... and besides even if they get something low value as far as money that doesn't mean it's not important to me or terribly stressful