You seem to have a micro-issue with this which I could not care less about.

It doesn't change that MFA doubles your chances of being hacked.

Would you rather have one plugged hole in a boat you race, or two?

Would you rather have one patched hole in your bike tyre, or two?

Would you rather have one chip in your car windscreen or two?

Why even bother try to argue round that, what difference does it even make? Neither of us will change it, one way or the other. I couldn't really care less, it is what it is. But the point is that it should reveal to you how insidious the system is, that it can screw up your ability to see the simplest of things, by mixing it up with some fancy language and making it sound clever. It isn't clever at all, just devious, and always for profit.