To answer your question in your second line I'd have to refer back to your first line with a chuckle...

I wish there were a simple step-by-step guide for (example) how to set up MFA in AWS using my browser/password manager. As in, an ELI5 explanation. Gosh that would help demystify this stuff! Not that it's mysterious or anything... but for the uninitiated it's a bit of a steep learning curve!