I'd argue, in 2019, every app/service that requires a login should offer a 2FA option to add an additional layer of security - the person logging in most likely is the owner of the 2FA device.

Maybe not every app but definitely one through which I make any type of payment. Spotify wants me to buy Premium, Spotify should offer me security.

If it involves money (paid service, even if the hijacker never gets access to your actual card data and can't make any payments) or private data (name, address, etc.) then it really should.

I agree for the most part about the money part. I would still want the option for them to not allow me to upgrade plans without re-entering my credit card info. But with regards to personal information, that is almost everything I log into. And those companies share your personal info anyway, so it just gives you a false sense of privacy/security.

> it just gives you a false sense of privacy/security

No more that the password already does. 2FA isn't supposed to protect you from the company you already have the data too. And it's not really for the "privacy" of that personal data but for securing it.