This is a good summary of a novel we've been writing based on our experience of tackling similar issues with clients. Working title: Misaligned Incentives. The best real-world solutions we've seen address this issue head-on by providing tangible incentives to the user in such a way that motivates them to act and doesn't harm the overall business objective. Example: product/service discount in a form of a coupon if you register a 2nd auth factor. Finding that balance is challenging, it is very context-sensitive. Selling it to the service owners is even more fun.