2FA on Mac when logging in

Is there a way to make it so that if someone logs in successfully with my password on my Mac to then require a 2FA? Right now, it seems that there is no way to do this except when you set up your Mac initially.

With our documents on our computers being so important, I am not understanding why there isn’t 2FA when logging in.

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Mac OS X Two Factor Authentication with Yubikey Demo

Edit: Well maybe not.
Note: Due to recent updates in the macOS login system, this guide is not compatible with macOS Catalina. If you are using macOS Catalina, please avoid using the macOS Logon Tool until these issues are resolved.

And, again, I am curious why this not a built in function of MacOS??

I use the free (and limited) Duo 2FA system for a couple of windows systems, a wordpress website, and a work mac.

Apple’s MFA relies on the internet to send the push. What happens when you are logging in offline? Every third party system I know of that integrates in the authentication chain for a machine, has an offline cache of codes that gets updated so that you can always log in.

I don’t have to use 2FA either on or offline.