The downvotes are because your “solution” is not based in the reality that the rest of us live in.

It doesn’t even suck that bad. Last time I had to unlock mine, I saw that the previous unlocking had been two years earlier. Each time I have to do it, I set an end date and it automatically relocks. Whole process takes maybe 10 minutes for the big 3 credit bureaus.

I was wrong. It wasn’t the forgotten password link. It was one of those sites that sent a login link instead asking for a password when you put in your username. That changed once I set up 2FA.

For a few months, I had been getting emails from booking.com saying that I had forgotten my password. Probably scammers with my Gmail username futilely attempting to use the forgotten password link to get at stored payment info. Once I set up 2FA on the account, the emails stopped.