> but the actual response is that without 2FA even more people lose access to their accounts
This is not black and white. It is possible to encourage 2FA but allow to opt out. The same for phone numbers.
And that's why companies enforce 2FA: they want your juicy phone-number or other data. And yeah, maybe they also want to reduce support costs and avoid bad publicity. Still, it's not in your interest, it's in theirs.
If they at least would allow for a sufficient number of options. Like paper-tan (even self printed), yubikey or similar, second email address, an authenticator, ... but even big companies often only require a phone number.
EDIT: Yes, Google offers more than a phone number when creating a gmail account. I didn't say they don't. However: they don't make it easy and I would even go as far as saying that they are evil here. If you don't believe me, try to create a gmail account right now and don't google/search how to do it without phone number.