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Safety deposit box with backup recovery codes.

That puts a lot of burden on users though.

Maybe start a pilot automated service run by Google or Microsoft or whoever where backup codes are securely sent to local credit unions and it's all almost transparent to the user. They just need to either pick up the code at the credit union and put it in their safety deposit box or approve that last step.

I'm not upset at all about banking working with private entities or any of the past with banks. I'm mostly upset because some of these ideas are good, you know? Maybe not this, but some. For a short while longer.



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