Here's one I'm feeling this morning: 2-factor authentication.
Every effing website seems to be going to this, now they want me to wait 5+ minutes to receive a stupid code by email, or else give them my cell phone number for a slightly faster retrieval, just to log into my account on their website. I know my passwords, and my passwords are strong, so stop penalizing me for the stupidity of others who cannot remember or create strong passwords.
Even worse, half the time I get onto doing something else while waiting for the stupid temporary passcode to arrive, and then it's expired by the time I get back to enter it. Start all over...