yes it is 2FA transaction, i tought 2FA is just a security measure thats why i created that kind of wallet. It seems that you are right...but 50 bucs fee is just insanse. I use many apps with 2fa and there is never an additional fee, to me this is just a blackmailing from electrum. Very disapointing.
The apps you're using are probably exchanges, not non-custodial wallets and exchange have other means to profit, that's why they don't charge their users for 2FA.
So yes, you might be able to use Binance and have 2FA there, but then you won't have full control over your funds, and if you choose to withdraw as a mean to send to someone, you'll also be paying a decent amount of money.