And god do I hate every second of it. My bank is the worst offender, because they allow me to log in, look at my balances and everything. It is until I decide to transfer funds from savings to checking, do they suddenly decide “WAIT! VERIFY YOUR IDENTITY!”. All the while that I’m logged in!
Trying to call customer support to a car dealership to discuss changing dates on your lease? Welp, be prepared to know your child’s name, your state, your blood sample and all other shit just to reach an agent so you can ask one simple question.
Google sucks balls for this too, obviously. Can’t just simply sign in anymore, nope, gotta go find your phone and tell that, that it’s you trying to log in and then you can go in.
Not to mention the amount of fucking codes we have to enter along the way. This shit piles up, people. We waste minutes to hours, collectively, on doing this shit.
That would be fine, I can live with choosing two of those for any given account.
What I hate is when the company offering the service forces its choice on me. I may be reliant on logging into some specific account without access to my phone, but then along comes company X and says “NOPE! Your account security is more important than you being able to access your own stuff. We’re completely on board with locking you out of your own accounts in the name of security.”
To be clear, I’m talking about personal accounts. Those on a network where I’m responsible for preventing a breach are another matter of course.