That is my biggest problem with most Multifactor authentication. I try to leave my phone in another room to focus, but needing the phone authenticator for something always happens within two hours.
I still don't know why apps think a device I carry in the streets is safer than one I leave at home to do important transactions like moving money, for example. Where I live, there are a lot of cases of people being kidnapped and coerced to make payments (which are instant), yet no Banking app allows you to do anything without a phone.