Anyone else noticing that EVERY online account you have these days requires 2 factor authentication with your cell phone? Not only that but everyone also has their own crummy app that you have to install to interact/pay bills. It is super annoying and inconvenient. It might be OK if our phones actually ran the software that we wanted but, as it is, they belong more to Apple/Google than to us. If I log into an account from a different computer, I get locked out. Thinking of going back to paper.