Maybe you're right.
Can ut be turned off if I decide to?
Yes, it's possible to unwind MFA enrollments, but it's not a simple "Off Switch"; it's more like getting the remains of a splinter out of your thunb. You'll need to keep all your authenticators handy, having kept them current, and be prepared with fallback measures. MFA is not exactly intended to be unwound. Doing so is considered suspicious by service providers, because that's the very first thing hackers attempt to defeat, typically by social engineering a service provider's tier 1 call center.
Usability impacts from MFA and Encryption are frustrating, and not exactly cheap to engage (personal signing certs, fido keys, and enterprise-level stuff if that's where you're at). The tools and systems don't feel dependable. Add dodgy networking to the mix, and it's no wonder so many people are reluctant to engage.
But we just gotta suck it up. The risk might be statistically small, but the impacts can be catastrophic. It's the adult equivalent to homework, vegetables and taking out the trash. And changing oil in a truck with skid plates. And trimming trees up a ladder with a chainsaw. Taking a horse's temperature... All the things we all had to do as kids, right?
We used to have to farm, ranch, trap, haul, build and then shoot to protect our stuff... And then, if we had a spare nickel, buy printed books and newspapers - which took weeks/months to propagate from cities. Nothing has ever been free, in terms of effort or money.
Nowadays, encryption and MFA are a couple of basic things we have to do to get by. Otherwise, our stuff gonna get took by thugs, miscreants, the businesses we are effectively forced to deal with. And we shouldn't expect sympathy from cops or courts unless we did all we could to protect ourselves, while the dirt-bags get away clean.
Ain't how it's spose'd to be, but it is how it is.
