> The major identity support cost is 2FA, because people constantly lose it, and you need to design and manage an account recovery process. Some of this is sel

> The major identity support cost is 2FA, because people constantly lose it, and you need to design and manage an account recovery process. Some of this is self-inflicted, e.g. a few of my banks only support 2FA via their own apps, so while I'd never lose my TOTP code, it's a hassle every time I lose my phone. (Or it breaks, is stolen, etc.)