Technology
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As someone who has had to walk the "I don't do computers" public through basic things over the phone, I can confirm that yes, a lot of people are way too lazy to learn anything new. They will instead call the support folks and blast some poor person just trying to deal with their day. Call center volume goes up anytime any barrier is added. Agreed though, SMS OTP is constantly becoming less effective. Email OTP is somewhat pointless.
Can you explain what you mean when you say email OTP is somewhat pointless?
Because Two-Factor Authentication is generally supposed to be under the principle of "Something you have and something you know", the password being the "know", and using a TOTP on an app via your phone would be the "have" (the phone).
I suppose if your email is restricted to the something you have/know it's a bit better, and certainly better than nothing - but not by much.
Alternatively, if your e-mail provider does offer a more secure 2FA solution, then sending a temporary code to your e-mail address would be a valid 2FA method by proxy. So it's not entirely a bad idea. (Although I've yet to see an e-mail provider that enforces 2-factor)
Protonmail. I dont have a backup email registered for recovery so if i loose my password and 2fa im totally fucked
Same, which is why I use a password manager and periodically take encrypted backups. The average person isn't going to do that, but I like having the option to use email 2FA instead of SMS, since I can make email 2FA pretty secure, but I can't do that for SMS.