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The video argues that two-factor authentication (2FA) is not as secure as commonly thought, especially considering usernames and passwords are often found on the dark web. The basic form of 2FA is email confirmation using one-time passwords (OTPs), which provides minimal improvement over not using 2FA due to the high likelihood of someone accessing your email after acquiring your credentials. While OTP via email is flawed, using SMS is a slightly better option since it requires physical access to the phone or cloning it. However, the security of SMS can also be compromised, as scammers can trick cellular providers into activating new SIM cards through social engineering.
