Your paranoia is getting out of hand, seriously. 2FA here, OTP there. Idk about you, maybe you do have such sensitive data that you have to double guard everything, I and the usual average guy doesn't. Why do I care? Because this craze has already reached the real world. Amazon requiring 2FA on deliveries. Wtf is wrong with my passport or other document? Nothing. Now I have to be physically present and recite some fu…
That's probably not about information security, it's simply Amazon not trusting the gig economy delivery worker enough with an expensive package, so they give you a number only you know and he doesn't, and that's how they verify that he has to interact with you before marking the delivery as done. It's to prevent a common kind of theft.
(I'm not talking out of any inside knowledge on the process, just thought that'd be the reason)