Everything I have heard from you so far is draped with ignorance and misinformation.
recovery email/phone = same threat model as regular passwords, and it's a big crack, all the time somebody bribes somebody at a phone carrier to take over the phone number of a crypto whale
Practically low-touch services are going to have to resort to these things, but they render 2FA performative.
Now at work 2FA is OK because I can go down the street and show my face and ID to the people at CIT and I don't mind it for my bank because their cost structure lets me do the same.
Like, this isn’t the 1980s anymore, password managers exist - even local-only ones - that can keep both strong passwords and recovery keys totally safe. KeePass in particular can be synced using server-free methods, keeping everything on-device, strongly encrypted, and essentially offline.
I suggest you touch some grass and actually educate yourself. TOTP 2FA is a massive leap in security that brings the traditional username+password safely into the modern threat era. Provided that the password is long+strong and the username leverages dot extensions in the eMail (if an eMail) or is a totally unique username (if only a text string), said three-point security can reliably exceed that of passkeys.
If I get locked out of Google or Amazon or Facebook I can talk to the hand at best with no recourse at all. A lot of 2FA hardware is garbage, like the Yubikey I had that had the hole attaching it to my keychain worn out in less than two years -- it could have fallen away and been lost.