Earlier quoted context omitted.
Having to guess several times != having forgotten your password. I think what this actually calls for though is a way to prove your identity by talking to an actual human. Something that used to be the standard before tech companies declared that it was too inefficient.
Sadly, SIM cloning attacks start by social engineering a cell phone support person into sending the attacker a replacement for the SIM they "lost".
Rerouting traffic with a malicious home location record (like what was done to Merkel for years), or changing the eSPID/NNID for a numbers texting enablement is much easier than doing a SIM swap and you can usually avoid detection too.