TOTP does not require one app for each service, plus phone scams and sim cloning is rampant. Seems you have limited experience un both subjects
That is, if your vendors all agree on something.
> Seems you have limited experience un both subjects
Yes, also limited experience on identity theft. Care to comment on my suspicion?
There are of course examples of vendors that don't. I think Steam is one of them. And my bank.