I keep seeing MFA treated as the whole account-security story. For an ordinary person, the weaker link may be the recovery surface: a forgotten recovery email, a phone number abandoned years ago, a forwarding rule nobody remembers creating, or a trusted device that remains authorized after it leaves the house.
I once found an old tablet still listed on an account I rarely used. It was harmless, but I had no idea it was still there. Services should offer a plain audit showing every recovery route, its status, and when it was last used, while masking addresses, numbers, codes, destinations, and device identifiers. That seems more useful than another generic security score. Do you routinely audit recovery paths, or just assume MFA makes you safe?