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It's also the stupidest second-factor you can ask me for: if I ever lose my phone, then I lost my number too.

This is a known probem, and most good 2FA services have solutions. For example, Google offers a small number of "recovery codes" you can store for times when your 2FA device isn't available. https://support.google.com/accounts/answer/1187538?hl=en



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