Multifactor authentication
Consumer multifactor authentication involves verifying your identity using a text message to your phone or a verification sent to a mobile application. While multifactor authentication can be a hassle at times, it will prevent most attacks against your account. The result is any application or service that will allow you to purchase something or log into other applications should be protected by multifactor authentication. While that seems like a small subset of services, most services in common use will do one or both of those things.
Most actors looking to compromise a consumer account will not go through the hassle of trying to defeat multifactor authentication. This is especially true when there are so many targets who do not have it enabled. In some cases, such as most consumer banking applications and websites, multifactor authentication is required. In other cases, it is optional. In most cases, it should be enabled when it is an option.
Next...
