At this point im just arguing for the fun of it .

My authenticator is insurance against the hackers in case I screw up.
Why should I pay for insurance? Dont I already pay them 15 bucks a month? I should expect some sort of system that protects my account.

I even manually input the 5 codes it doesn't bug me or take more than a couple of mins
3 minutes a day say on average 2-3 logins a days say 200 average days played a year.

3*3*200= 1800mins a year/60 = 30 hours a year of login time That is being generous most will have much more.

Does your company provide an authenticator-type or biometric devices to add protection and prevent CC fraud?
Yes we do they are called employees . I do not charge my customers extra to protect thier accounts it is assumed as part of the service we provide.