Counterpoint: I’ve had the same number for 20 years. In all that time, I’ve had maybe 5 instances where I needed to get a confirmation number and couldn’t get enough reception. It works well enough, the vast majority of the time, for the vast majority of people. You’re an extreme edge case.
Over 1.4 billion people travelled internationally in 2018. You’re making an assumption based on a single data point, just as you imply the author to be. Do you use PayPal? It’s impossible to even login while you are abroad.
Are you sure? I'm in Eastern Europe right now and just logged in and sent money.