Has card/account verification made travel harder for anybody else?

Has card/account verification made travel harder for anybody else? Okay, I've traveled quite a lot over the last ten years. Currently on country #31. However, until last year, I hadn't traveled since 2017. Biggest thing I noticed between five months traveling during 2023-2025, is ENDLESS trouble with my debit/credit cards, and even accounts like Amazon. Now that everything requires 2 factor authentication, my...

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