The largest issue I have is the randomness of all the different security setups. One requires MFA by e-mail, one requires an authenticator, most require sms, some push to require using their app, and this random page requires a code by phone call. Now they are pushing passkeys and that is a complete cluster.

What's ironic is that most of the webpages that push these things don't reach the "Do I give a fuck?" threshold. The security is usually there to protect against unauthorized use of user stored credit cards. Since I am not liable for any fraudulent charges to the credit card, I really don't give a fuck about securing the account. Yeah I am reusing passwords, keeping them in plain text in a word doc etc..

When I worked for other companies, I moderately gave fuck about there security. Not enough to inconvenience me. If they made me change the password constantly, they got the number changing series at the end of the password - $tupidPass#01 Seriously that was my actual work password for over a decade.

Now my bank account and financial logins. You'd better believe those have every security feature they offer setup. I do not fuck around with those. I give a fuck about those.