Earlier quoted context omitted.
The Google Authenticator app (just as a mainstream example) was released 14 years ago. When we're still waiting for a lot of banks to even support TOTP, consider me unimpressed with the level of effort banks are putting into securing my accounts.
Good news loyal customer, we now support 2-factor authentication! ... over SMS!
2FA over SMS is not a valid form of 2FA and I will die on that hill.