Earlier quoted context omitted.
> * Require MFA Using some kind of OTP authenticator app or device and __NOT__ SMS!
SMS is perfectly good as an additional authentication factor. i.e. When you log in on a new device using your user name and password, you also need to type in the text message code you were sent. It is a convenient way to strictly increase the security of an account. What SMS is terrible for is as a single point of account recovery. This is unfortunately how it is often used. "Multi factor authentication" in practice…
A proper OTP app works offline, and more than one of them can exist for any given authentication, so you can have backups if your phone is stolen.