Picture this: You’re trying to log into your bank account to make sure your latest utility bill didn’t require taking out a second mortgage. You type your password—”Fluffy1985!”—and hit enter. Then, the bank says, “We just texted a 6-digit code to your phone.” You scramble to find your phone, which is currently buried under yesterday’s mail. By the time you find it, put on your reading glasses, and type in the code, the bank’s website…