I pay $35/month and that includes unlimited USA talk and text with my limited data. Maybe you need to get another carrier. Or at least another plan.
I currently pay $3 per month to T-Mobile and get 30 minutes of USA talk, 30 USA texts, or a combination thereof per month, and zero cellular data. Thus the price difference between my pay-as-you-go plan and your unlimited plan is $32 per month or $384 per year. I'm interested to read a good case for how 2FA would be worth that much to me.