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What’s terrible about their hosting?
You should bring your own hardware wherever possible. I’d never trust my local network to the ISP.
Email is commonly compromised. It’s an easy target for bad actors executing a takeover.
As someone who has had to walk the “I don’t do computers” public through basic things over the phone, I can confirm that yes, a lot of people are way too lazy to learn anything new. They will instead call the support folks and blast some poor person just trying to deal with their day. Call center volume goes up anytime any barrier is added. Agreed though, SMS OTP is constantly becoming less effective. Email OTP is somewhat pointless.
They look cool, but they’re annoying when they get stuck. I had a couple cars with them through the years. Sadly, never a first gen Miata. I like them too.
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