Which will somehow keep working without said 2FA?
While the ideal number of forced apps is of course zero, i’d take the 2FA over a “banking app” any time.
My main bank’s application is 2FA, although it is a little more flexible (verification every 6 months with the obligation to change your password for the website and the app). Verification will be carried out using the bank’s application and its “digital” key, which now works without microG. And this bank still offers this SMS solution for people who have no smartphones at all or no compatible smartphones.
cf: Banking apps on Sailfish OS