I wish that banks would offer TOTP. SMS is famously insecure and poorly suited for something that’s a load-bearing pillar in most of our lives, and TOTP is probably the most reasonable replacement. Unfortunately only a tiny handful of US banks offer non-SMS 2FA of any kind, and to my knowledge the one that does (Scwhab I think?) requires the use of a hardware gadget even though it’s standard TOTP (which people have written python scripts to extract the necessary bits of info from).
World of Warcraft was supporting tens of thousands poor teenagers in developing countries, who would farm high value items in the game and then sell the account /items to rich people who didn't want to put in the hard work.
There was (maybe still is) lots of money to be made by hacking accounts and selling them.
