How do I enable Associated Accounts with 2FA?

Although a necro bump, this is super relevant and at the top of Google right now:

Is there a 2020 solution for this? Currently, existing forum users that donate via Patreon are locked out from any Discourse rewards. This is a pretty big problem since 2FA is super important and growing in popularity (as it should). We don’t want users to essentially be punished for adding 2FA~

Can’t we just get users to confirm 2fa before connecting any link? It seems outlandish to just remove this feature completely. I have 2FA enabled on Discord, too, for example – should I not be able to connect any account after that?