I’ve always treated two-factor authentication (2FA) like an annoyance: some chore I must perform for every login. SMS codes and authenticator apps were my go-to. I felt these were secure options until I learned 2FA wasn't as secure as I thought—a clever phishing attack, SIM swapping, or man-in-the-middle could steal these codes in seconds. This led me to try hardware-based 2FA, and I only wish I’d switched earlier.
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