Changing banks is not free market just like Changing Insurance Companies. Most banks in US enforce SMS 2FA. I would rather want the choice of not doing SMS 2FA.

Changing banks is not free market just like Changing Insurance Companies. Most banks in US enforce SMS 2FA. I would rather want the choice of not doing SMS 2FA. If you cannot implement better 2FA, dont force me to use SMS 2FA and I assume the risk on my end. That's Free Market.