Imagine you try to log into your bank account one day to setup a payment on your mortgage. You realize that something’s wrong when the bank’s website tells you you’ve entered the wrong password. That’s strange, you think as you click the link to “reset your password.” It’s an easy process, but first, the bank requires that you prove you’re actually you, by sending a simple text message with a six-digit code to the mobile phone number on file. But when you request your code, the text never comes. …