You don't have to be an attorney to be absolutely sure only providing SMS is not discrimination.

> I'm not talking about unreliable SMS delivery

Why? That's what this is about. Everyone, including hill people, have the same problems with the same technology. Ergo, not discrimination.

> I'm talking about banks not accepting other options like passkeys, software/hardware OTP keys which are more secure than SMS

I'm going to sue Apple for not adding satellite to my iPhone. It's discrimination that when I go into the mountains, I don't have reliable coverage.

See how silly that is?

> I'm not an attorney

Then why are you confident about the outcome of court cases?