In the name of security it has gotten more obfuscated. To their credit, Apple and Google are trying to make mechanisms like 2FA a little more “smooth”, but try explaining it to my almost 70 year old mother. It’s a lost cause. 
I work in IT, it all seems effortless to me, but I have to remind myself that a vast majority of folks, particularly those over 60 who finished their education without much technology have a terrible time of it - generally (there are always exceptions).