Ah yeah I remember I had a service that had a delay with sending the 2fa code (can’t remember if it was email or sms) but it got to the point where it was basically gambling on if I’d get into the account on that day or not lol. Glad it wasn’t as important as mortgage payments though that sucks to hear.
I’d imagine you could probably get into the android developer settings and disable all the telemetry stuff through adb and install a custom launcher like projectivity and that’d be the closest you could get to running a custom tv OS at least if you can’t flash it.