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How was my 2FA on Lemmy turned off and why?
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Ah, that must be it. 2FA is still a very good security feature to have.
But there is nothing only you know that is still useful because a secret must be shared in order to be useful (unless you just have full disk encryption and then when it is unlocked and network connected, it is still vulnerable). In short, admins could change your password since you are not the sole admin of your own server but then you would have to have mass appeal to be "useful", i.e. popular.
In theory, Tim Cook might have a keybearer who could usurp the throne with all the proprietary OEM crypto keys that only the Company knows, but everyone knows who the CEO is and the keybearer could get in big trouble unless he had an army...
Things can be changed on the server side and the network is not the same as the device: these are technology truths some people refuse to ever understand.