I totally agree. I have a password and security questions for a reason, and that reason is to never use 2-factor authentication. 2-factor makes sense if you are in your own home in your own country, logging into devices you've had for years, or have easy access to other devices, but if the security system denies me the opportunity to use my own account to pay for something when I am alone, far from home, traveling in another country, then that is a failure in the opposite direction. Now that they insist that my password and security questions are not enough, I can no longer rely on PayPal when I am traveling or away from home: the place I need it most.
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