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Sorry, I don't understand where you're going with your questions. I do use a password manager (Bitwarden). I do not use 2FA. I don't understand how using so-called 2FA but storing my secrets in the same place as my passwords would make me more secure.

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You should reread your own posts. I'm only responding to what you write yourself.

If you do not understand the purpose 2FA, there are plenty of online resources available.

As I explicitly wrote, you can store secrets in separate places, and if you don't, you still protect yourself against password recovery attacks or interception and add redundancy.

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