In the EU I get an EU cell plan because it's orders of magnitude cheaper than roaming from North America when travelling for a month.
So to log into my bank I have to load the website on my device, enter my username / password, have it send the SMS 2FA, switch to my home SIM card, wait to receive the text message, switch back to my EU SIM card, ensure internet works, then submit the 2FA code to finally log in.
That assumes I haven't forgotten something to poke the SIM card out with. I couldn't find eSIM last time I went to Portugal.
Even down to injecting an ad into the response as a joke.