Every time you log onto your computer, you’re doing so with your “User Account”. That’s not just your user name and password. It’s all of the setting specific to your account. Some of it’s about how programs should behave. Some of it’s about security.

On July 5, in court, Travelers said it would not have issued a cyber insurance policy to an electronics manufacturing services company if they knew the company was not using MFA as it said. Recently that company suffered a ransomware attack.

The simple answer is that computers aren't perfect. The bad guys are using low-tech emails from using common email addresses from a legit email provider like Gmail or Yahoo.