I had this problem a couple years back, when I was living in a small coastal town where cell service was spotty. Generally I could either be in a place where I could receive text messages, or a place where I could get access to wifi, but not both at the same time. When I wanted to get into my bank website, I would drive 20 minutes up the road to the next, slightly less small town, where I could get wifi and receive SMS, then drive back when I was done.

If I had stayed there longer, I might have found a better solution for my personal situation, but the experience as it was left me pretty uncomfortable with mandatory SMS 2FA as a general security tool. I'm sure there are many other people running into similar edge-cases.