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Problem solved.
Adding 2FA to the marketplace is going to... annoy, a whole lot of people. Most people on Steam have never had their account compromised so are in no danger of this self inflicted issue.
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.
More importantly someone would have to "guess" your account name from "millions of possible combinations".
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".
And finally 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.
Secondly:
https://store.steampowered.com/subscriber_agreement
C. Your Account (snipped)
You may not reveal, share or otherwise allow others to use your password or Account except as otherwise specifically authorized by Valve.
You are responsible for the confidentiality of your login and password and for the security of your computer system.
Valve is not responsible for the use of your password and Account or for all of the communication and activity on Steam that results from use of your login name and password by you, or by any person to whom you may have intentionally or by negligence disclosed your login and/or password in violation of this confidentiality provision.
Unless it results from Valve’s negligence or fault, Valve is not responsible for the use of your Account by a person who fraudulently used your login and password without your permission.
And finally:
Being here 18+ years and have never lost access to my account and this includes before Steam Guard email, Steam Guard Mobile existed, so no, there is no cybersecurity issue with the security offered by Steam, just end users not taking responsibility for their own actions.
Note: Gabe Newell gave away his account details in 2011 to demonstrate Steam Guard and his account remains uncompromised. You can even try to get on his account as his account name and password are on the link below.
https://www.escapistmagazine.com/gabe-newell-gives-away-personal-steam-password/