I’ve had accounts compromised in the past. It’s not fun. Having any important account of mine not protected with 2FA makes me nervous, especially when it’s an account which handles money.
Any type of 2FA would be much appreciated, but my preferred type is a software token that users can set up with apps like Authy and Google Authenticator. Another fairly solid option is SMS 2FA, and it’s pretty common for large sites to offer both of these types as options.