That's already pretty rare internationally and the odds of it still being the case in five years are zero.

I would argue that SMS is horribly insecure and should never be used for authentication.

https://workos.com/blog/why-sms-mfa-is-insecure

Poland also has the most competitive banking system in the entire Western sphere of influence. You can't compare it to the extremely oligarchic banking system in the United States.