Maybe the last time this banner appeared, they still had their number. Maybe things just co-coincided with the worst possible timing. Stuff like that can happen.

I'm really not comfortable calling them completely incompetent over this.

Also there have been reports of people getting locked out for no fault of their own as well. And those people too have no chance to do something about it.

But even if it is incompetence or gross negligence - as a software company, you'd still want people to be able to report that stuff happening, so that at least you get statistics that you can use to measure the effectiveness of any improvements you try to make.

If those problems occur so frequently that it's no longer financially feasible for you to actually look into them... then maybe there's some incompetence going on at your own side, right?

If you're already logged into Chrome and logged into your phone, it might take a few years before you get to "many times"

Also, Google doesn't always make it clear when something is being added as 2FA. E.g. if you log into an Android phone future logins will use it as 2FA.