Yes, I did create the 2FA thing. I thought it was required as an additional security feature. They don't tell you what they consider to be a "small fee"...
I must say I find it sneaky the way Electrum asks for this by default. They know most people don't read anything and just click "OK" through all installation popups.They don't... The "default" option is "standard wallet" -> "create a new seed"
The only way to get an Electrum 2fa wallet is to select it manually, then click past the giant "warning" dialog.
If a user doesn't take a moment to read what an application is trying to tell them, regarding a system that the user doesn't really understand... Is that the application's fault? Or the user's?
People forget that "Be Your Own Bank" means "Be your own Bank's security department/IT department/research department and General Manager"
You want the freedom of cryptocurrency? You have to accept the personal responsibility that comes with it.