Google recently announced that only 10 % of their users use two factor authentication. Who uses google? Basically everyone. 90% of us doesn't protect ourselves well enough digitally. It's sort of like leaving the front door to our house unlocked. I've been slow with that process too, but a few years ago I choose to stay secure and I highly recommend you too. I should definitely start using Dashlane or something a smart password app but haven't done that yet. Shame on me :O
Anyways its good just to stay informed on what is going on so that you can base your choice on solid ground.