From a security view point (I've worked in IT and systems security for decades) it is wise to have multiple layers. Look at it this way, we know that sometimes people's emails are compromised, so Smarty relying on emails not being compromised as the ...
It all sounds very passive - this is not really much protection, it relies on me noticing within a couple of days my SIM is not working, I don't always use my phone for calls each day.I was expecting that Smarty would provide some security such as al...