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This is the correct answer. MFA should be enforced for literally every account you have, and the method should be app-based or a hardware token.
It turns out that people en masse are lazy and will use the same simple password for all their accounts and then wonder how they got hacked. People in tech for the past 30 years or so struggled with the difference between theory and practice when it came to user psychology, and I am happy that we are finally starting to realize the user psychology aspect and just force them to be secure.