It seems many people have this issue and as of 3-16-23 Apple has not fixed it. I guess they will not.
Apple Chat had no clue. After an hour, phone support gave up and said it was an old device. There was a theoretical solution that involved putting the verification code after the password, but you don't get the code until you enter the password and once on the verification code screen there are no letters to type a password.
If this is a known issue with no resolution, Apple might update the documentation used by Support and be more transparent about the reduced functionality. As with some others, I, too, made matters worse by resetting and restoring as instructed by Apple Support.
I think I'll just get a Roku for this guest bedroom.