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You're missing the biggest vulnerability. SMS means you're tied to a phone company, which has a tech support line staffed with people who's main job is keeping their call times down. It's shockingly easy to socially engineer them into sending a copy of your SIM to some random address and completely defeat the 2FA on your system.

And once they have your texts, getting a CSR to reset the password on all of your important accounts is super easy. By far the biggest security vulnerability on major services is the customer support representatives.




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