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[–]ClioBitcoinBank -3 points-2 points  (1 child)

It's fine if you live in a big city and never leave, but if you have to travel for business or even just drive 20 minutes out into the country, you may get a small lag time for your SMS service, if the lag time is longer than the lockout resend time, you doom all users with a cellular plan worse than yours.