I'm not using Google Authenticator or anything like that but when my old phone dropped somewhere at the bottom of a river all my banking apps, which do 2FA, had

I'm not using Google Authenticator or anything like that but when my old phone dropped somewhere at the bottom of a river all my banking apps, which do 2FA, had a way to let me start again on my new phone. Services that don't assist their users in a disaster recover scenario are severely lacking.