I think we should start doing product liability lawsuits to any organization capable of having user financial data affected from their account, that is using SMS one time codes as either default, enabled by default, and the heaviest legal remedies to financial organizations where that's the only option
we should also update PCI DSS compliance or whatever relevant security standard to call SMS one time codes totally insecure
we can also reach insurers these companies use and tell them to force removal of SMS one time codes
do a multi pronged assault on SMS one time passcodes