The involuntary signup for two factor you didn't want is incredibly annoying. Especially when initiated by a bank or similar financial institution with no warn

The involuntary signup for two factor you didn't want is incredibly annoying. Especially when initiated by a bank or similar financial institution with no warning. "BTW, for your own safety, we implemented two factor on your account, and tied it to your old phone. Wait, you don't have that phone anymore, cause it was something like a 10 yr old retirement that you never obsessively check? And we didn't give you the option for an email? Or even warn you? Too bad. We now no longer accept logins for your own money."