Not having 2FA is going to allow some portion of users to get hacked. When those users do get hacked they will need a way to regain control of the account. Methods of regaining access to an account are notorious for bad actors social engineering their way to gaining control of accounts.
2FA relieves some of that, because even if you do get hacked you can provide a token from the authenticator that was attached to the account, proving that you do in fact own that account.
> I think it's excessively paternalistic to not provide that option.
I don't find it paternalistic. The goal is to cut down on support costs by reducing the number of users who get hacked and need assistance regaining access to their accounts, and to force users to have a method of demonstrating they own the account even if they can't log in. That it confers some additional security to users is nice, but not really the end goal.