>>> she turned on wifi calling on her phone. now she could receive SMS messages from friends and family, but 2FA codes still weren't coming through.
Completely different beasts. One is P2P, the other is A2P
Completely different beasts. One is P2P, the other is A2P
Maybe there are some SMS gateways that are somehow incompatible with some IMS message gateways? (Theoretically, the IM-SM-GW should be transparent to external networks, I believe, but practically I wouldn't be surprised if some weird things lurked in there, requiring a fallback to the signalling path, which is not available on VoWiFi.)