Many sites don't support hardware tokens, and some sites such as banks require and only allow SMS 2FA. I even planned to switch banks and the two others near me also required a cell phone SMS 2FA for online banking with no other alternatives.

Online banking is far too beneficial to give up (traveling abroad, checking balance, moving funds around) and there are other sites besides banks that do this too. It's infuriating.

Yeah, around here (EU) every bank decided you need to have an app to be able to do anything with your account or pay using card online. You don't need just a phone, but a smartphone.

TOTP if at all possible. Then you can run the code calculator on your laptop or wherever most convenient for you, not them.

Raivo runs just fine on my desktop, although it does ask for my thumbprint randomly (known issue).

If you're using 2FA with SMS, just stop, or switch to something like Google Voice.

Hard token, yubikey

yubikey type things? we were using little blackberry-format devices for 2FA in the previous century.