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The problem is the user, as you showcased.
Dosen't matter how big the lock is when people are handing out the keys like candies.
I do not really see how this is a user issue as I fail to see what he could do differently.
Unfortunately, security is one of those Dunning-Kreuger type things. The more you know about it, the more you think that you'll be able to see all the tricks and unfortunately, that hubris is exactly what ends up leading to people handing out their sensitive information to someone just because someone decided to send them to a site like nintemdo rather than nintendo and just like that... it doesn't matter how tight their security was, they gave the people everything they needed to bypass it on a silver platter wrapped with a shiny golden bow.
The only way to be properly secure is to be paranoid as hell and trust no one. Like me! I can't fall for any tricks because I don't trust anyone to begin with!
How? by either logging into a known scam site or sites, tailored malware on your PC, the vote for my team scam, you have a pending ban scam on discord, free knife click the link etc.
How does Steam (a program) know it is not you when all the account details are correct? It doesn't, therefore any action taken on your account is seen as you doing said actions.
The alternative is not plausible :
1) Someone would have to "GUESS" your account name from "millions of possible combinations".
2) Next they would have to "GUESS" your password from "millions of possible combinations" and then match it to your account name with "millions of possible combinations".
3) And then they would have to "GUESS" the Steam Guard Mobile code "which changes every 30 seconds" to match both your account name and password to then have access your account.
Note:
1) Only you and Steam Support know your account name until you give it away.
2) Steam passwords are hashed, not stored therefore only you can give it away.
3) They physically need to have your mobile for the code, or you need to enter the code.
And finally I have being here 19+ years and have never lost access to my account and this includes before Steam Guard email and Steam Guard Mobile existed, My Steam account is safe because i only log in to Steam.
If as you state it is not secure then explain how I have never lost access to my account.