This is a really good point, "cell service will always be available" is a classic incorrect assumption that needs to be shattered. I do kinda wonder what the correct way forward is, I think it's silly that ISPs don't support this type of SMS over wifi but I have no clue why. Meanwhile TOTP apps are rightly pointed out to be too numerous with unclear trade offs, I'm surprised ios and android don't have native TOTP app…
> I'm surprised ios and android don't have native TOTP apps (afaik). They do. Google's Authenticator is as close as it gets to a native Android app, and your secret keys are sync'ed in Google's cloud for a while now (it's a shame they waited so long). Apple's Keychain has supported TOTP for ages too. That said OTPs over RCS instead of SMS are a major improvement if you don't mind your phone number being used as an id…
I think that Google does not care about security for their users, because their passwords app is clearly some intern work, not something really well thought. They just slapped it to mark a checkbox in their "Chrome password autofill" TODO list and moved on to a more pressing issues like implementing user tracking and extracting more ads revenue. Apple had similar issues for years, but I think that their recent releases significantly improved.