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The support one is a real killer for a lot of places; I've worked with a place that had a few million paying customers, and ~half of those were in a tier where a single 30 minute support call would completely negate any revenue that that customer would bring in for the year. Email support was slightly less expensive, but would still be a significant proportion of your annual profit
I was going to mention the support aspect. I believe some TOTP 2FA applications have automatic online backups by default but some don't and require users to make their own backups. I can only imagine how challenging it would be to deal with users who have locked themselves out of their account due to their 2FA setup.
I had to go through that with itch.io a while back and had to verify my most recent purchases to recover my account. It was nice I was able to get it back but that in itself could be a security concern.