Source: https://mstdn.isometry.group/@Cahatstrophe2/117323121764942610
transcript
@Cahatstrophe2@isometry.group: you’ve heard of two factor authentication. you’re heard of three factor authentication. now get ready for just never being able to fucking log in at all

I was stopped by a bouncer in a bar and was asked to show ID. I had forgotten my wallet with my ID, but luckily, I have the national app for the driver’s license. But to get that, I need to log in with my bank’s secure login. That login is behind 2FA so I needed to approve with a separate app and type in my password. My password is safely stored within a password manager. But that password manager’s access on my phone requires login through the microsoft single-sign-on. The microsoft login is buggy and requires me to manually log in through a separate URL.
I was arriving at the last step of my login before the bouncer announced that he saw that I was over the age limit of 18, so I didn’t have to continue. I was 33 at the time.