So we have come full circle: starting from a call for help from a librarian seeing lots of people unable to access their accounts because of 2FA, we have propos

So we have come full circle: starting from a call for help from a librarian seeing lots of people unable to access their accounts because of 2FA, we have proposed various methods of avoiding that, and then concluded that it's better if 100 people are locked out of their own accounts rather than letting one unauthorized person access an account that isn't theirs? I guess that's Google's position as well, because if they let someone unauthorized log in they might be liable, whereas if they lock 100 people out they can say it's their fault...