Follow up question: how many of those still let you log in and authorize transfers without relying on their mobile app as required second factor?

Good point. They don't. Huh, that's really worrying. My bank started requiring phone for web portal only about a few years ago. They don't allow to use an alternative MFA method. This should be made illegal.

This is all inevitable direction over long period of time

What’s worrying is that noone protests about it

It doesn’t suprise me that corporations and governments want the laziest, most „protective” laws passed that extend their power. But why noone, absolutely noone puts some kind of resistance to it?

Government and citizens are at eternal conflict of interests. It has been this way and it will be this way forever.

Your job as a citizen is to make sure you have greatest amount of liberties

Noone will do it for you.