Earlier quoted context omitted.
In a particularly ironic situation, I was trying to log in to my bank's website on a computer from a distant international location so I could pay the credit card bill and, since it was a new browser, the bank required 2FA via my phone in order to log in. Of course, I could not receive the SMS, so could not log in, and could not make the payment.
ah, yes, but as has been said elsewhere in this discussion, many banks now use apps instead of sms. an app would have worked over wifi.
Ah, yes, but I did not have access to Wi-Fi either. My phone could not connect to the internet. The (borrowed) desktop computer was online.