No, not missing anything Koreyb. Email and phone numbers are the 2 main portals of entry. Your bank sends out the 2 step verification via email or phone (depending on how yours is set up) and since the hackers now have both, they can change your pa...
Do not use your primary email, (that is to say the email that is linked to your private data such as banking and personal info.) I changed my email with Public recently to an alternate one for this reason. Also remove cc info and just pay as you go. ...