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Other than Apple music and iCloud, they’re generally less intrusive about popups than Microsoft. Their tactic is to completely prevent competitors from integrating with the system at all rather than nag you to use a setting. For example, there’s no way to use Google maps or Spotify in all the same ways you can use Apple music or Maps.
The security level should be the user’s choice. Maybe I don’t care if my neopets account is hacked. Maybe the 2fa offered actually decreases security, like the SMS 2FA required by my 401k account that can be used as the sole recovery factor, bypassing the password. Maybe I’m accessing from a system configuration that makes 2fa really annoying, like a build system running inside a fresh VM on every run.
The service doesn’t have the context necessary to know when 2FA is warranted.