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While I understand the purpose and value of two-factor authentication, I hate dealing with it. I just want to log in to the website and do whatever it is I’m there to do, not wait for a one-time code to show up, wonder if my phone with be able to auto-suggest it or if I will have to copy and paste it into the field, and then have my text message history cluttered up with a million of those messages. 2FA also makes me terrified of ever needing to change my mobile number, lest I end up getting locked out of a bunch of bill-pay websites.