This is no excuse for not offering it. And no, SMS must NOT be a backup that’s always available, as the article points out, its availability for use is a security hole.
If you can’t access your actual 2FA there should be an option for the bank to have it call that registered number and ask you “Hey this is (Bank). Are you trying to log in right now from Moscow on a Windows 10 PC using Firefox? If so, please call the number on the back of your card, hit 9, put in your SSN, then we’ll turn off 2FA for one login and let you add a new one. Btw if it is not you, your password is definitely compromised.”
If you can’t access your actual 2FA there should be an option for the bank to have it call that registered number and ask you “Hey this is (Bank). Are you trying to log in right now from Moscow on a Windows 10 PC using Firefox? If so, please call the number on the back of your card, hit 9, put in your SSN, then we’ll turn off 2FA for one login and let you add a new one. Btw if it is not you, your password is definitely compromised.”