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> If you log into accounts from your phone, that's also 1fa in the same way.

Not quite, there's a lot more sandboxing on phones than what might go on with desktop.

Not on my desktop. It is much more sandboxed than any smartphones.

That sandboxing doesn't help if your phone gets stolen.

iphones are pretty secure against theft unless they get your pin or some such. I have two friends who forgot their own pins and the data was unretrievable in spite of their best efforts.

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