I. don't. care. Because we have to cater to the absolute lowest denominator, I now can't use my credit card 90% of the time because I can't receive SMS when I'm traveling aboard? No, not everyone has a fking iPhone and iMessage. Nothing in your comment serves as a defense of most places only having SMS 2FA. Why can Capital One email me every critical account notification, but can't email me 2FA/OTP codes for confirming transactions when I'm on the other side of the world? Why?
It is flatly absurd that my Xbox account can be more secure than most of my bank accounts. I am tired of hearing people justify the utter laziness of US financial institutions. Everything about dealing with money in the US has become increasingly incredibly user hostile. Fidelity won't allow ANY integration with apps like Lunch Money and have some impressive automation detection that blocks headless Chrome usage better than anyone else. I'm completely at their mercy, and cannot sanely manage my money because of them. It's complete god damn garbage.
> No, not everyone has a fking iPhone and iMessage.
I don't think iMessage solves the problem of receiving an SMS from your bank where your SIM card is inactive or disabled due to roaming costs.
A VOIP number like Google Voice can solve that problem, but some services that do SMS-based verification reject phone numbers that a database says are VOIP.
You need to switch to a carrier that allows international roaming, preferably at no cost. A lot of the budget carriers like Mint don't. Those carriers are really really good, like truly 99% of the way there, but for very specific use-cases they have problems.
It is flatly absurd that my Xbox account can be more secure than most of my bank accounts. I am tired of hearing people justify the utter laziness of US financial institutions. Everything about dealing with money in the US has become increasingly incredibly user hostile. Fidelity won't allow ANY integration with apps like Lunch Money and have some impressive automation detection that blocks headless Chrome usage better than anyone else. I'm completely at their mercy, and cannot sanely manage my money because of them. It's complete god damn garbage.