I really hate the forced 2fa on shitty little sites that nobody would care to hack. I also really hate that just about every site and service requires you to give them your phone number now, which of course they immediately start spamming, and you have to send a text to a short code, which might have hidden charges associated with it, to opt out. I don't want anyone having my phone number, but you have to give it if you want service. That VoIP idea you have is great.