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Decentralized > 2fa. No need for 2fa youre the only one with keys to wallets.

So if someone steal your keys, you have no way to protect yourself.
I don't thing 2FA is necessarily not decentralized.
Let's say you could use a TRezor or Ledger for 2FA, that would add a lot of security to the system. Not completely decentralized I agree... there must be a way