[Swordmaker]

Exactly, so how then is Apple superior. My bank didn’t ask me if I wanted to use two-factor authentication. Did yours?

Oh SHILBUTT, Leonard! I have SIX banks with cash in them.

• Bank of the West
• Wells Fargo
• Bank of America
• Bank of Agriculture and Commerce
• Farmers and Merchants Bank
• Bank of Stockton

None of those banks uses two-factor authentication for online access to accounts. Not one. They all use user name and password. Most will confirm you're ID with a security question from a list of three generic questions far simpler than Apple's choices if you use a different computer. What does your bank use?

[Leonard210]

“None of those banks uses two-factor authentication for online access to accounts. Not one.”

Then you need to change banks big boy. You claim two-factor authentication is more secure than the default security Apple provides, then trust your bank accounts to the same insecure system Apple uses? I do not believe you.