I have to say a number of services (Amazon, Nest, Gmail) nag me to turn on 2 factor.
I think that means that every single time I use them it will send a code to my phone and I have to enter that as well as my password?
That being so, it doesn't really work for me as the phone signal here varies from nothing to one bar on tiptoe by the upstairs chimney sometimes.
It's bad enough when my banking app insists on sending me a code sometimes to proceed. A simple transaction can sometimes take all morning.
This signal issue is true so far with Three, Tesco, Ee, Orange and Vodafone.
So I admit I've not done it. Have I misunderstood how it works?
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Risk... 
Risk... 