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There is a third option. Most banks here in Sweden solve this by forcing you to show up in person (with a ID card) if you loose your password.

I get that this also is technically a 2FA bypass but the cost is extreme and its really hard to impersonate someone in real life.



How would that even work for internet companies without physical stores? Go to Menlo Park, CA to recover your account?


Facebook already requires verifying your ID in some cases, it's absolutely feasible for them to do it online.

If it's not feasible, I can see an argument that large enough companies should be required to provide in person support options.

Facebook defintely has enough money to facilitate this.


There's a lot of online-only banks who have figured this out. Do video auth, outsource it to the postal service, ...




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