TOTP and MFA are 2 different things even though they are often used together. MFA is all about having a second physically held device to authenticate, TOTP is

TOTP and MFA are 2 different things even though they are often used together. MFA is all about having a second physically held device to authenticate, TOTP is one of the mechanisms by which this is done. Not everything needs MFA, however it is often mandated so having the ability to generate TOTP in a situation like this (such as when an account is shared and pure security is not crucial) is convenient.