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A comment on Ask HN: Why did smartphones become a single point of failure?. Parent comment

Re:Ask HN: Why did smartphones become a single point of fail... by withinboredom on Tuesday August 09, 2022 @10:03AM (#32398086)
Same with USAA. This is pretty recent though.
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Re:Ask HN: Why did smartphones become a single point of fail... by unethical_ban on Tuesday August 09, 2022 @01:47PM (#32401256)
USAA's "Cybercode" logon options are god-awful. It's Symantec VIP wrapped in their mobile app.

I have no idea why generic TOTP with backup codes is not an option for every site on the planet.

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