Your FAL# or Drivers Licence# are not secure info at all. They are physical items that I'm assuming are in your wallet. So now someone who has nicked your wallet has those details and can ring up the FSA and say they are you...
2FA is one of the best and easiest ways to secure stuff. Yes it can be spoofed this day and age but that's beyond the realm of randos who have got your username/account.
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