> without clarifying the alternative factors
This is super annoying. I wish sites would standardize on a simple infographic saying:
You will be able to access your account with:
* Username, Password and 2FA device.
or
* 5 points from the following list: Username (1), Current password (2), old password (0.5), sms verification (1), mothers maiden name or other secret word (0.5). Email verification (2). 2 factor device (2), Video call with support agent showing government ID matching account name (1), has waited 7 days without successful login, despite notifying all contact addresses (2)
For added security, you can adjust the account to require 6, 7 or 8 points from the above list, but please be aware doing so might hinder your ability to access the account if you lose your password or 2FA device.