nonsense. any feature should have acceptable failure modes. blaming the customer for a fault they have no control over is not acceptable. many people know nothing about 2FA. it is not their responsibility. 2FA is a symptom of shitty designed systems which are inherently insecure and companies who dont give a shit about that and let their customers shoulder the burden by shoving complexity down their throats.

if you make an app it is not your customers responsibility to secure it with additional actions from their side..if it is, you need to make it mandatory and guide them step by step.

you cant after a while enable some toggle.and tell people to fuck off and its the fault of their ignorance to not know some technical details.

most consumers of these services dont know shit about IT and they should not be burdened with it..any product that demands it is either only meant for tech savy people or more likely lazily and badly engineered by money hungry people who see opportunity to make more money in user's issues.