That's a good idea but it's not a practical solution because most websites don't give you the choice.
Most high security and high value websites, like cryptocurrency exchanges, do. There is less risk of being SIM swapped and attacked on low value website, as there is nothing for criminals to gain.
That is true and consistent with what I've seen. However way too many IT policies Will rely on phone sms 2FA, such as Wells Fargo
Sometimes people just like to watch the world burn...
and besides even if they get something low value as far as money that doesn't mean it's not important to me or terribly stressful