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You need 2FA, I have that set up on any account that can somehow burrow to my financial info...
Paypal: 2FA and a credit card..
Amazon: 2FA
Venmo: 2FA
My bank: 2FA
Etc..
Google Pay one my phone: 2FA, and I direct it to Paypal, another 2FA .. yes it takes a bit of time checking out from the supermarket.. and I sometimes get some stink eye...
Knock wood...
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