A SIM card is an often-overlooked "what you have" second factor, yes leaving aside phone company social engineering hacks.
I made the mistake of buying an iphone on a trip to US, which is eSIM only. The tech works fine --Google Fi is a pretty good example-- but I later traded that phone for the exact same "international" model, traded even plus cash, to get my slot back.
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A SIM card is an often-overlooked "what you have" second factor, yes leaving aside phone company social engineering hacks.
I made the mistake of buying an iphone on a trip to US, which is eSIM only. The tech works fine --Google Fi is a pretty good example-- but I later traded that phone for the exact same "international" model, traded even plus cash, to get my slot back.