@publicvoit
First of all, yes, I don't trust greedy institutions in general.
Second of all, and sadly, SMS is still ubiquitous protocol, even the silly LTE modems I have implement it somewhat easy to use. I wanna quit Android and don't wanna be tied to Android application. Maybe they require some device attestation so Waydroid would be out of picture, but i didn't test that.
I generally have distrust towards proprietary software in general.
I know SMS 2FA ain't secure but i gotta remember some password or key in addition to they SMS and even that not being perfect, it ain't that bad as plain SMS.
I have a hardware cryptokey. I use it to log into gummint services. Would be happy if my bank let me to use that for 2FA.
I would appreciate of you weren't so arrogant with your opinion on what I am doing with my money and stuff. If you weren't meant to, I am sorry, I have hard time telling.