Wendell,
I should add, my handling of the topic above is a bit like Mack's reaction, in Yertle the Turtle. Near the end of the story, when old Mack is a bit compressed being at the bottom of the pile and belches. I apologize for the belch.

However, the 2 step authentication, should be like the process using a gmail account. When I sign on to my account, I receive a 6 digit code on my phone instantaneously. It works quite well.
Is there any explanation why the process should take up to 5 minutes? That is really surprising, and I agree that would be much too long.