[tialaramex]

I can't figure out which account you're worried about here.

Your bank presumably knows a bit more about you than... nothing like a free Gitlab user and the account is valuable to both of you. So they can "just" do old fashioned manual account recovery as they would have in 1820 or 1920.

If I lose my phone and all backup authenticators, maybe in a house fire or something, I can live with the fact that maybe I need to go in person to a big stone building and talk to a human face-to-face about account recovery. My home just burned down, I think I can make a little time for essentials like that.