2FA is a must to use. So is a VPN.
Not sure if people know this but your data packet/request going to companies like PayPal, eBay, or dozens and dozens of other companies, does not go directly to these sites. I worked at a company that looked at these data packets, evaluated it to see if you are a viable/good client or a crook, and we would let the destination company know before they let you into their site.
Also, you have so many other programs like LifeLock and antivirus that are looking at your network data, mostly to protect you
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