Probably one time use recovery codes you are supposed to print and keep in a safe place. In case of a bank this could also mean a trip to the nearest branch for

Probably one time use recovery codes you are supposed to print and keep in a safe place. In case of a bank this could also mean a trip to the nearest branch for ID verification. The same issue you mentioned applies to other 2FA methods. Your TOTP codes and passkeys also live on your phone, Yubikeys can be stolen too.