I disagree with the experts here. There was and is absolutely nothing wrong, and quite a lot right, by having the 2FA program completely separate from your password vault. At best, this is a lateral security trade-off that you are paying them to provide. View the 2FA feature from a software marketing and sales lens. Can you see how it's just feature creep, driven by competition doing the exact same thing?
The most common 2FA mobile app that isn’t a password manager is Google Authenticator. Google Authenticator doesn’t export the seeds or store the seeds in the device backup, or sync them, so when you lose or upgrade that phone, you lose all your TOTP. This is bad. Also, TOTP in general is bad, because it is easily phished, just like passwords. Using a password manager to store TOTP cuts down on phishing risk as it won…
https://security.googleblog.com/2023/04/google-authenticator...