The solution lies in human-centered security design. By implementing straightforward but effective measures that are natural in flow for the user and implementing layered defenses, like Multi-Factor Authentication (MFA), organizations can achieve substantial risk reduction while maintaining high user adoption rates. This approach proves more effective than complex protocols that often fail in practical applications due to poor user compliance. Many businesses might be surprised to learn that multi-factor authentication (MFA) is highly effective in preventing credential stuffing attacks, which lead to account takeovers. MFA stops over 99.9% of these attacks when implemented properly.