If your bank uses phone for 2FA (say OTP via SMS or whatever else), but you have no bank login, now attacker have to hack your PC (to get bank account login) AN

If your bank uses phone for 2FA (say OTP via SMS or whatever else), but you have no bank login, now attacker have to hack your PC (to get bank account login) AND phone (to get access to 2FA). So not having your 2FA source in same place as your password would be meaningfully more secure