What have you tried? Things should "just work" if you install ofono and MMSd. There are more details (urls, which forks are involved) at https://sr.ht/~anteater/mms-stack/
The basic debugging workflow is to run ofono, run MMSd, and try the scripts under the `test` directory in MMSd's source tree. Error messages logged from the script, MMSd, or ofono might be relevant.
MMSd (mms parsing, mostly) and ofono (dual-stack IPv4/IPv6 networking) need patching to make MMS work on T-Mobile; other providers might also need debugging or custom patches.
https://wiki.mobian-project.org/doku.php?id=pinephone
How to set up a wifi HotSpot is here: https://wiki.mobian-project.org/doku.php?id=tweaks
Although note, as of now, neither the Pinephone nor the Librem 5 can do MMS (they both share ModemManager and it doesn't have MMS functionality)