Re: One time passwords
That reluctance has nothing to do with google, as the phone provider.
Banks and other such entities would have a much more expensive, and possibly even confusing to many, provisioning workflow if they moved away from SMS.
If you're wondering why TOTP would be confusing, I can only say you're extrapolating from the audience of *this* site.
Also, SMS is not so bad here. There's a rule (law? not sure) that all incoming and outgoing SMSs are blocked for 24 hours on any new SIM activation. Raises the bar quite a bit for SIM jacking attacks.