There are services designed to help by giving you a temporary number for SMS verification. I've used one recently and it worked fine, but I can't find the name.
I use Google voice and generally sms 2fa just works. Occasionally I have to revert to the phone call based option. However, I just ran into the first case of it not working at all... Wells Fargo. And I can't change it without receiving sms 2fa unless I either drive an hour to the nearest branch or send in a notarized letter...
99.9% of the time, no. My primary bank was working before, and now it doesn't - after years of being fine. And services like OpenAI which explicitly block "VoIP phone numbers"
This is my phone number for the last 17 years...