All 2FA options that require a phone like TOTP can be done just as easily on a laptop with a yubikey or nitrokey.

I have several business and personal bank accounts with two major banks. No Android or iOS needed.

Sure they push you hard to use them, but just say it is against your unspecified religion. They cannot make you use Android or iOS.

In my country we actually do have a large religious community which eschews the smart phone. Therefore all services are available without one.

And your medical provider who will only allow you to see your online medical records after an SMS 2FA challenge?