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Honestly I'd rather make an account than do this bullshit where you get a new confirmation email every time you log in.
So many fucking websites log you out after 30 days now so you end up doing that shit anyways, except it's two-factor instead. Even more infuriating when it's mobile application doing that.
United Healthcare required me to do an email confirmation every time I filed a claim even when I was already logged in. Tell me that's not a dark pattern.
That is the laziest auth method I've seen. At least it's encrypted in transit though. I'll take that over the SMS, not-really-2fa crap that US banks refuse to give up though.
Those "authenticator" apps work great, as long as you always have your phone on you. Proton Authenticator, Google Authenticator (don't use that), Microsoft whatever, etc.
The banks have to offer it as an option though. A lot don't and opt instead for the least secure way to do it.
And yet they throw shit if you even have dev mode or an unlocked bootloader at you
My bank locks me out of parts of my account if Developer Mode is on. Yet won't get rid of SMS 2FA.