Here in Denmark we need the government 2FA to pay for our stuff online. It's an extra identity check on the credit card to make sure the card hasn't been stolen. We don't do government vouchers here, because we have a very good safetynet based on a salary from the government if we're jobless. Kinda like UBI, but you only get it if you don't have a job, so not entirely UBI. The rate isn't anything good, but it's enough to survive.

Our 2FA is used for by far most things. Like if I want to login on my phone carriers website, I'll use the 2FA. Need to check up on my taxes? 2FA. Sign legal documents? 2FA. The way it works is, I've chosen a username which I write on the website login page, no password is used here. Then I open the 2FA app, login, grant access. If I try to login to a website on anything else than my phone, I need to scan a QR code displayed on the website aswell. This way I only need to remember the password for the 2FA and my username. We haven't had any issues with security in this system in the 4,5 years it's been online.