Dropped $180 on a hardware key for my email and it saved my butt 3 weeks later
I finally bought a YubiKey for $180 after my Gmail got hit with a login attempt from a city I have never been to. Everyone said I was wasting money and that a long password was enough. Three weeks later someone tried to reset my bank password at 2am and the key blocked it cold. My old roommate still refuses to buy one and he got drained for $900 last month. The key is not fancy, it just sits in my USB port and does one job. If you are still relying on a text code for your main accounts, what is actually stopping you from switching?