Yeah, that’s basically right. With an opening line like mine (a formula), we’re basically dealing in typical reddit/lemmy pedanticism.

I (somewhat ironically now) specifically chose the words MFA over 2fa when saying “mfa-1” as to be most encompassing from the get go because yes:

• the truest definition of MFA is =>2
• there are cases where the factors are multiple things you have and/or are (like private keys and pass keys, and biometrics)

i do agree the 1st factor in a situation where its multiple factors is generally and common practice to be something you know.