I understand this view. Unlike every other reply to your comment I am not going to suggest various 2FA schemes that I would invariably screw-up and just add my voice to yours.
2FA might be good for security, but it's also very ableist.
I was able to answer something snarky to you, but then I gave it more thought and realized you're right. Anything beyond a simple password is very complicated when you're dirt poor. Printing is complicated. Having a physical vault is complicated. Buying a yubikey is complicated. Paying for the premium version of a password manager is complicated.
Just like with accessibility on the web, it's so easy to forget about that when you're not in the situation yourself. Thank you
Thanks for a lovely comment. I am privileged myself, which makes it hard for me to see what systems oppress those less fortunate. But I often "peak over the fence" when I deal with my ADHD and face the challenges of renting in a volatile market. I move often, and I forget/lose stuff constantly. I have to laugh when people suggest a physical yubikey - there is no way I am not going to lose it eventually.
I don't have a lot of sympathy for big tech when it so clearly fails to enfranchise those that need it most.
2FA might be good for security, but it's also very ableist.