I used Skype for calls to family members, banks and government departments in the US and had both an annual calling subscription and a Skype-in number. The annual cost was $70.
I have replaced it with Phone2 by paying a one-time fee of $99. For that fee I can call numbers in the US without additional charge and I also received a new US number for incoming calls. I could have ported my Skype-in number, but did not see the need. So far, the Phone2 call quality has been very good. I don't use it for 2FA, so can't comment on whether it would work with banks.
For a while I was receiving several telemarketing calls every night on the new US number, usually between 9 pm and 5 am. Most of the calls were companies trying to sell Medicare Advantage plans or similar. Once I registered the number with the Federal do-not-call list, the calls stopped completely. I don't know why I never received such calls on my Skype-in number.
One service that Phone2 does not provide for personal accounts is outgoing SMS messaging, but I have no need for that at present.