Honestly, all this extra security stuff seems like overkill to me. Putting all your passwords in one manager is just asking for trouble if it ever gets breached. Two factor codes are a pain to deal with every time you log in, and checking your bank account every few days sounds exhausting. Banks have their own fraud protection anyway, so why not just let them handle it? Sometimes I think we make things too complicated for ourselves.

Man, my buddy skipped insurance for a quick Vegas trip and his bag got lost with his diabetes meds inside. The airport was slow to find it, and he had to pay out of pocket for a whole new set at some overpriced pharmacy. That one hassle cost him way more than the insurance ever would have.

They got mad over a picture of a sign? That's wild. What did they think was gonna happen?

Hardness tests are for dies, not coworkers.

Your "never saw the appeal" phase is something I've experienced. The trick is to give it a proper try without any pressure. You often need that hands-on time for it to click.