I disagree, Two-factor is very important, because if there is a case of your password leaking somewhere, attackers can't do jackshit with it if they don't have the 2FA key. What I can agree on is that 2FA shouldn't be phone number based, as not only is it a privacy concern, YouTubers were getting hacked because of attackers using social engineering to get a hold of their phone number and getting 2FA keys through that way. If the 2FA keys were taken from an app, attackers would have a much, much harder time trying to get them. And keeping them in something like a KeePass database with a strong main password is a very good way to store them safely.