Need is a strong word.

2FA is a pretty good idea for some applications and needless hassle for others. I don't need most of my accounts to have 2FA; I use a password manager with strong unique passwords, and for many accounts, having to make a new one would be an inconvenience rather than a tragedy.

Service providers might be motivated to force it on me if stolen accounts could cost them money, but most of them don't need to; it's just the most expedient move for them.