Final answer:
Two-factor authentication increases individual security by requiring a second factor in addition to a password, even if a scammer has stolen personal information. Stronger passwords and education are also key to avoiding scams.
Step-by-step explanation:
In the event a scammer acquired passwords and personal information, two-factor authentication would require the attacker to have the second factor in addition to the password. This security measure significantly increases security for individuals by adding an additional layer of protection beyond just a password. It is important to use stronger passwords and to educate oneself on common tactics used by scammers to avoid getting scammed. For companies and governments, implementing stronger protections on websites is also crucial in safeguarding personal and sensitive data.