Re Re point 3. It is not a HVE account. Honestly, I do not even sure what HVE is. Again: we have a user settings page with "Email settings block"; there users can enter email account properties, like host, port, user, password, click "enable sending via SMTP" checkbox and expect we will send emails from THEIR email servers to end-users (guests, buyers, etc). I do not sure we can ask our customers to do some over-complicated things with their accounts. Usually it is just a common hotmail and office365 emails. In the same time customers are common people having cottages or small hotels to rent (if I can use "common" about such ppl). IF enabling 2fa and generating app password (or any other SIMPLE) way is not working anymore for MS server emails, we have no other way than just add a very big banner at top of the page: "Microsoft-hosted email server ARE NOT SUPPORTED ANYMORE".