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OP here - I just tried again and got the normal flow this time. Guessing they must be A/B testing SMS one-time codes as the default.
AFAIK with 2FA enabled you'll get SMS prompts only exceptionally.
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In crypto, there are payments, store of value, decentralized exchanges, smart contracts, NFTs, DAOs... I tend to think crypto is used more already than the internet was in 1989?
Comparing the internet to crypto is like comparing roads to clown cars. They are entirely different classes of technology and the second would be completely useless without the first, so like to like comparisons are meaningless.
I have never once given one of these valley payments companies my bank account information, and this sort of garbage is why. If I need to pay something via PayPal, Venmo, or whoever the hell else, I'll use a credit card and happily eat a 3% fee for doing so, and that's the price I pay to be able to tell Chase or Amex to handle it when some fraudster gets at my info rather than watch my bank account get drained.