The biggest loopholes are the passwords. People use easy-to-guess passwords like their date of birth, their favorite pet, or the name of their spouse. This is basically because such passwords are easier to remember than other unique passwords. Most of the people often set the same password for every website. When the password you set is compromised on one platform, and the attacker attempts to use the password on other platforms so as to monetize the list of passwords, it is credential stuffing. Even if you have two-factor authentication enabled, they will find a way to crack your password.
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