2Fa (two factor authentication) - critical in crypto .... but what happens if you lose your phone?

So the two main ways of using 2 factor are either via the google authenticator app or via text.

We know 2fa is CRITICAL for any type of website membership when using crypto....but recently my phone screen broke and I was almost unable to access anything. This includes exchanges, genesis mining, and even coinbase. Was a scary feeling for a minute especially in situations where you may have to make a move quick.

I did some research and found that apparently when setting up google authenticator we are given a backup code .... who knew. Yikes probably something I personally need to pay more attention to....

I also found that there are other 2fa applications including one you could put on a usb drive for windows .... winauth.com

Curious if anyone heard of it and or used it or what everyone's thoughts are on two factor authentication and how inconvenient in can make life if you lose or dont have access to your phone !

I managed to deal with my specific situation, but this lead me to a greater question of what if it happens again or what if next time im not able to find quick workarounds for various sites or platforms