

Some countries are all-in on the digital transition and for a lot of things shops don’t even accept cash anymore. Digital QR code transfers are preferred. Be thankful that the banks that you deal with haven’t gone down this path.
2 factor TOTP exists and is secure enough for corporates to have adopted long time ago. Banks can adopt similar authentication methods but choose not to.
On the OP, not sure what the solution could be. However, going down this path seems flawed.




All this shit because a few thousand yanks in key states have epistemophobia. Levels of retardation beyond belief, the biggliest retardation the world has ever seen. Never so many have been so impacted by a bunch of absolute morons. Back in the day they’d have been given a wedgie and been hanging off the coat hanger. But no, let’s listen to the idiots with money. Dumb fucks