Thank you for not making 2FA mandatory! I'm another one who doesn't thinking giving my cell # to everybody on the planet in any way improves my security. Plus, it's an enormous PITA when I routinely access certain accounts from different devices (home computer vs. traveling computer, etc.). I'd much rather be good about my passwords and take reasonable care to maintain my own security.

2FA-via-text-message is only slightly more secure than no 2FA at all, since texts aren't very secure, so most places have moved away to using a phone number for 2FA.

I wish. My banks both still insist on texts. Which is why I don't have online banking set up with either of them.