Thank you. I've been waiting years now for someone else to notice this as well.

Good to know! I feel like it stems from the notion that protecting whatever particular account they want you to protect must be the most important priority in your life. Even security folks don't always seem inclined to think in terms of trade-offs... too often they seem to see things as black and white. If something protects your account or computer better then it must be better and you have to do it. They don't care if you might lose your job or if it might burn down your home as a side effect; that's just not part of their threat models...