Source? It might just be that your carrier retired its 2g/3g network, not that the phone/sim refuses 2g/3g connections. If some cell tower popped up claiming to 2g/3g, your phone still might happily connect.
my Telus/Bell SIM shows the 3G network tho
Absent that, maybe this happens via a carrier profile (or equivalent mechanism)?
But I only have an option for data roaming on/off, not roaming entirely.
It sounds like a good idea to at least restrict 2G connections to non-roaming scenarios, but then you have the next practical problem: How does your baseband know that you're abroad?
Sure, all solvable at the application layer (the phone could use location heuristics to figure out where it is etc.), but not trivial and full of edge cases that could easily result in your phone mysteriously not connecting while abroad or, worse, not being able to make an emergency call or similar.