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2Fa sounds good, but I do not have or want a cell phone. So I bought a pair of Yubico keys. It does not work with my bank or 3 credit cards. I am not interested in chit chat programs. So far, useless. Maybe the next time I use login.gov for the VA?

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Why do most of the most important websites (financial sites) only use SMS/email for 2FA? btw- I think this series has done an excellent job of laying out the steps needed to harden your security. In addition to everything you've talked about I think everyone should freeze their credit reports. I realize that's something different than what you're discussing but I think it's very important.

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