Then I use the authenticator built into my phone. Or the authenticator built into my desktop. Or the authenticator built into my laptop. Or my other authenticator.
My phone was destroyed not too long ago. I had been using it for passkeys. Oh no, all those passkeys were gone. No problem, when I got my new phone I just used the authenticator on my keyring to get back into my accounts. If my keyring authenticator got lost I'd just buy a new authenticator eventually and add it to my accounts.
Exactly. All these ideals work in theory but then in reality banks are also incompetent and will use all kinds of domains.
Same with meta and Google where they often direct you to domains that aren't under their main one and it's actually legit, but there's no way to know. It's impossible to teach family members to pay attention if it's really that domain because it's often legit not that domain.