For years, two-factor authentication has been the most important advice in personal cybersecurity — one that consumer tech companies were surprisingly slow to recognize. The movement seemed to coalesce in 2012, after journalist Mat Honan saw hackers compromise his Twitter, Amazon, and iCloud accounts, an incident he later detailed in Wired. At the time, few companies offered easy forms of two-factor, leaving limited options for users worried about a Honan-style hack. The result was a massive public campaign that demanded companies to adopt the feature, presenting two-factor as a simple, effective way to block account takeovers.

Five years later, the advice is starting to wear thin. Nearly all major web services now provide some form of two-factor authentication, but they vary greatly in how well they protect accounts.