the 6 digit code ones really aren’t that big of a deal, you just whip out your phone and open an app

Until you’re in tough times financially and your phone company cuts you off, permanently locking you out of every account with SMS 2FA! This actually happened to me, and there was nothing I could do about it, unlike phishing and shoulder surfing, which are easily within my power to prevent.

I’m not going to use digital currency or a digital ID so that I’m protected from myself.

I am so fucking tired of entering a password, then a code I got by by text, so I can set up an authentication app and register my physical auth key. Why can’t I just use a different strong password for each service, same as I have for the last 30 years without getting hacked.

You should be allowed to opt out of this bullshit if your password entropy is high enough.

And yet still every year you will make, functionally, less money than the last. You will get poorer and poorer and it took you longer to get settled than the generation before you.

No I won’t? I get raises above inflation, and I was married with a mortgage in my mid 20s.

Yeah this is why I disagree with the generation boundaries. I’m technically a millennial but I already owned my first home before the global financial crisis in 2008.