Okay, so check this out—most people treat two-factor like checkbox therapy. Whoa! It looks good on paper. But in practice it can be messy, confusing, and even risky when you don't plan for recovery. My instinct said "set it and forget it," and then reality hit. Actually, wait—let me rephrase that: I set it and then lost a phone, and that taught me a lot. TOTP (Time-based One-Time Password) is the...
