Mark's seatbelt thing is so true... it's just a thing you do now without even thinking. But honestly zara_murphy45, I'd rather tap my phone a few times than have to deal with someone buying a bunch of weird stuff with my card. That sounds like a way bigger headache. The real joke is when the code goes to your email and you need another code to get into your email.
Yeah, calling it a 'small price to pay' really hits home. I notice this pattern with things like using two-step login for email or dealing with extra verification codes. It's similar to how we bother with seatbelts every car ride, a little annoyance that just becomes normal. Once you see it that way, all these small safety habits make sense lol.