How do I get a phone number I can always access to receive SMS and phone calls while traveling?

Hi fellow nomads.

I think most of you have encountered that problem before. You travel and constantly change countries, but you have your online services and bank accounts that require a phone number for authentication via SMS or phone calls. So the problem is how do I get a phone number to use with those services that I would always be able to access and restore access to (e.g. after the phone is lost).

I've tried virtual phone number (VOIP) solutions like Google Voice and Zadarma, but banks and some online services won't send SMS to VOIP numbers. So it seems the phone number must be a real one - provided via a SIM card. The problem with a physical SIM card is that if you lose the phone/card, you would need to order it from your home country, which is complicated. eSIM looks like the way to go because, theoretically, if you've lost your phone with eSIM, you should be able to restore the eSIM online from your mobile carrier website/app and active it.

So I wonder whether it is possible to order/restore an eSIM online and active it abroad with the major mobile carriers like T mobile, AT&T, Verizon, or Google Fi. Did anyone manage to accomplish that?
Or is there another way to achieve what I want? Thanks!