That's a false positive vs. false negative distinction too.

The GP is concerned that Tmobile allows hackers to impersonate you/your wife on the phone.

You're concerned that even after providing all possible account details - password, PIN, last four of her SSN, last bill amount, anything else they might want to ask that's not literally a live biometric scan - they can't distinguish the two of you just because you don't sound like a woman.

Perfection is unattainable.

It's a pretty low bar. I think if you know SSN you are good to go to do anything at Tmo, including a number port. Which means phone as a 2fa is very easy to beat.

I was about to freak out, then I remembered that there's no ID in the US

I can't change anything about my phone without providing both a "Public" (Taxpayer Code: Doesn't change, commonly shared, also used as a state bank account number) and "Private" (Document number: changes per renovation, only shared for identification purposes) number

Well, it's not so much that there's "no ID" as much as it is that we have hundreds of IDs.

Some carriers in the US have you set a PIN number for phone porting. Although, people still forget them.

You provide a SSN and they will give you the porting pin (or let you pick it more likely)

Voice matching? I heard some banks do that.

Still not perfect ;)

https://youtu.be/-zVgWpVXb64

isn't Tmobile pretty much known as the carrier most friendly to these kinds of attacks?

I've impersonated my father so many times making changes to our mobile account.