I think you are, yes. These situations spring to mind, all of which make email OTP a worse solution imo: Shared account without both having access to email. E

I think you are, yes. These situations spring to mind, all of which make email OTP a worse solution imo: Shared account without both having access to email. Email OTP is more time and effort than entering a password. Email can be down. You may not have access to email for another reason (different device, etc).