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Keep in mind any centralized authority is subject to disclosure laws like the patriot act.

i.e. people can jack your phone/sms line for around $23, or access any email server on US soil for free.

This is why 2FA is actually more dangerous in some situations.

We're planning on enabling passkeys! Agreed that phone 2FA is not ideal, just the current setup.

Unless people are using a public key system like Kyber hardened gpg public keys its mostly security theater.

i.e. people may feel safe in the complexity, but are open to the same shenanigans of any unregulated exchange.

Children in Japan figured out magazine faces worked on cigarette machines too.

Have a nice day =)